中国农村商业银行运行效率研究

发布时间：2018-06-03 15:51

本文选题：农村商业银行 + 效率　；参考：《东北农业大学》2013年硕士论文

【摘要】：加快社会主义新农村建设，逐步解决当前我国城乡二元经济体制存在的诸多弊端，提高农民生产和生活水平一直是近年来党和国家的重要使命。2004年到2012年连续8年的中央1号文件都把“三农”问题作为首要问题提出，足见当前农村经济的发展对于我国社会主义建设的重要性。经济的发展离不开金融的支持，但当前我国尚未形成完善的农村金融体系，农村金融供给严重不足，农村经济发展受到一定的限制。因此大力发展农村金融机构，加快建设农村金融体系就显得尤为重要。农村信用社作为农村金融的重要力量，在我国农村金融体系中占有重要的地位。然而随着农村信用社的不断发展，其自身合作金融的种种问题变得越来越突出，导致农村信用社不能够很好的完成支农的使命。因此许多学者开始研究农村信用社的改革问题，逐步形成了农村信用社由合作金融模式转为商业金融的整体思路。农村商业银行就是在农村信用社的不断改革中诞生的，是农村信用社改革后三种模式其中之一。自农村商业银行出现以来，在我国农村金融体系中发挥了越来越重要的作用。然而，农村商业银行成立时间较短，又是由农村信用社改组而来，与其他商业性金融机构相比，，在产权结构、法人性质、内部控制与管理、金融技术和产品的创新以及人才引进与培养等方面均存在一定的不同，因此如何让农村商业银行这种金融机构更好的发展就显得尤为重要。本文首先研究了农村商业银行的建立背景、特征与当前中国农村商业的发展现状，试图从宏观的角度了解中国农村商业银行的整体情况，然后从效率的角度入手，通过数据包络分析（DEA）的方法，选取了当前中国资产规模最大和成立时间最长的12家具有代表性的农村商业银行为研究样本，通过提取其财务报表的数据，测算了中国样本农村商业银行2009年-2011年的综合技术效率、纯技术效率、规模效率、投入产出冗余以及3年来全要素生产率进步指数等相关指标，定量分析了当前我国农村商业银行效率是否有效以及效率不足的原因，同时综合以往学者的研究成果，运用层次分析法（AHP）测算了影响中国农村商业银行运行效率各因素的相应权重，通过实证分析结果有针对性的提出了提高中国农村商业银行运行效率的对策和建议。
[Abstract]:To speed up the construction of a new socialist countryside and gradually solve the many drawbacks existing in the current dual economic system of urban and rural areas in China. Improving farmers' production and living standards has been an important mission of the Party and the state in recent years. The first document of the Central Committee of the CPC Central Committee for eight consecutive years from 2004 to 2012 put forward the issue of "agriculture, countryside and farmers" as the primary issue. See the current development of rural economy for the importance of socialist construction in China. The development of economy can not be separated from the support of finance, but at present our country has not formed a perfect rural financial system, the supply of rural finance is seriously insufficient, and the development of rural economy is restricted to a certain extent. Therefore, it is particularly important to develop rural financial institutions and accelerate the construction of rural financial system. As an important force in rural finance, rural credit cooperatives play an important role in China's rural financial system. However, with the continuous development of rural credit cooperatives, its own problems of cooperative finance become more and more prominent, leading to the rural credit cooperatives can not complete the mission of supporting agriculture. Therefore, many scholars began to study the reform of rural credit cooperatives, and gradually formed the overall thinking of rural credit cooperatives from cooperative finance to commercial finance. Rural commercial banks were born in the continuous reform of rural credit cooperatives, is one of the three models after the reform of rural credit cooperatives. Since the emergence of rural commercial banks, they have played a more and more important role in China's rural financial system. However, the rural commercial banks have been established for a short time and have been reorganized by the rural credit cooperatives. Compared with other commercial financial institutions, the property rights structure, the nature of legal persons, the internal control and management of rural commercial banks, There are some differences in the innovation of financial technology and products as well as the introduction and training of talents. So how to make the rural commercial banks better development of financial institutions is particularly important. This paper first studies the background, characteristics and current development of rural commercial banks in China, tries to understand the overall situation of rural commercial banks in China from a macro perspective, and then from the perspective of efficiency. By means of data Envelopment Analysis (DEAA), 12 representative rural commercial banks with the largest assets and longest founding time are selected as the research samples, and the data of their financial statements are extracted. The comprehensive technical efficiency, pure technical efficiency, scale efficiency, input-output redundancy and total factor productivity progress index of the sample rural commercial banks in China from 2009 to 2011 are calculated. This paper analyzes quantitatively whether the efficiency of rural commercial banks in China is effective and the reasons for its inefficiency, and at the same time synthesizes the research results of previous scholars. This paper calculates the corresponding weights of the factors affecting the operational efficiency of China's rural commercial banks by using the Analytic hierarchy process (AHP), and puts forward some countermeasures and suggestions for improving the operational efficiency of China's rural commercial banks through empirical analysis.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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