内蒙古地区村镇银行支农绩效影响因素研究

发布时间：2018-06-11 18:25

本文选题：村镇银行 + 绩效　；参考：《内蒙古农业大学》2013年硕士论文

【摘要】：内蒙古农牧区经济发展水平较低，广大农牧民过着相当贫苦的生活。“三农”和“三牧”问题无疑是影响自治区新型农牧区建设的关键，其能否得到顺利解决将直接影响内蒙地区广大农牧民的生活水平。虽然造成这种局面的因素很多，但农牧区资金供给不足无疑是一个重要原因，，而村镇银行正是在这一形势下产生的。自从2007年村镇银行在内蒙诞生以来，截止2012年底，已有56家村镇银行在内蒙地区成立，其在支持农牧区经济的发展、农牧民收入水平的提高方面发挥了极为积极地作用。但同时应该看到村镇银行在作为政策性银行的同时也是一种商业性机构，追逐利润最大化的本性使其对农业这种高风险、低收益的产业不太感兴趣。所以，本文绩效分析时避开了一般的经营绩效评价，只分析影响内蒙古地区村镇银行“支农”绩效的因素。文章着重分析村镇银行的设立状况（设立地点、成立时间和雇佣当地员工数量）、资金状况（注册资本、资产规模和存贷比）和”支农”和“支牧”覆盖面等方面因素对其“支农”和“支牧”绩效的影响。结果表明，村镇银行的“支农”和“支牧”绩效与其设立地点、成立时间、当地员工数量、资产规模和存贷比相关，而与注册资本、支持农户户数和小企业数的相关性不太明显。
[Abstract]:The level of economic development in Inner Mongolia's agricultural and pastoral areas is relatively low, and the vast number of farmers and herdsmen lead a rather poor life. The problems of "three agriculture" and "three animal husbandry" are undoubtedly the key to the construction of the new-type agricultural and pastoral areas in the autonomous region, and whether they can be solved smoothly will directly affect the living standards of the vast numbers of farmers and herdsmen in Inner Mongolia. Although there are many factors that cause this kind of situation, the shortage of fund supply in agricultural and pastoral areas is undoubtedly an important reason, and the village bank is produced in this situation. Since the birth of village bank in Inner Mongolia in 2007, 56 village banks have been established in Inner Mongolia by the end of 2012, which has played an active role in supporting the development of agriculture and pastoral economy and raising the income level of farmers and herdsmen. But at the same time, it should be seen that the village bank is a kind of commercial institution as well as a policy bank. The nature of pursuing profit maximization makes it less interested in the high risk and low income industry of agriculture. Therefore, this paper avoids the general performance evaluation, and only analyzes the factors that affect the performance of rural banks in Inner Mongolia. This paper focuses on the analysis of the establishment of village banks (location, time of establishment and number of local employees employed), capital situation (registered capital, etc.) The effects of assets size and ratio of deposit to loan) and coverage of "supporting agriculture" and "supporting animal husbandry" on the performance of "supporting agriculture" and "supporting animal husbandry". The results show that the performance of "supporting agriculture" and "supporting animal husbandry" is related to the location, time of establishment, the number of local employees, the size of assets and the ratio of deposit to loan, but it is related to the registered capital. The correlation between the number of supporting households and the number of small enterprises is not obvious.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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