中国农村商业银行竞争力研究

发布时间：2018-08-26 07:48

【摘要】：2001年底，国家在江苏省进行农村信用社改革试点，成立了三家农村商业银行，，此后，农村商业银行在全国各地纷纷成立。农村商业银行作为我国农村金融体系中最核心重要的部分，他们的存在不仅极大的打破了我国银行体系的高度垄断格局，并且活跃和丰富了整个农村金融市场。农村商业银行凭借其相对快速的市场反应性，灵活的管理机制，在农村金融市场上占得了一定的市场份额，为促进我国农村经济和金融的发展做出了不可替代的贡献。随着我国经济社会不断发展和建设社会主义新农村的步伐不断加快，我国农村居民的收入也在不断增加，目前，我国大多数农民已不再是单纯的从事农业生产，已经基本向第二、第三产业转移，农村经济的快速发展使得农业生产也越来越需要更多的金融支持，关注农村市场的金融机构也日益增多，也使得农村金融市场的竞争也越来越激烈，同时，金融的全球化也使得银行间的竞争日趋加剧，在此背景下，我国农村商业银行面临着越来越大的竞争压力。那么，我国农村商业银行在金融市场上具有多大的竞争实力，又该从哪些方面来提升自身竞争力，在市场竞争中立于不败之地，这已经成为一个非常紧迫的问题。本文首先根据企业竞争力和商业银行竞争力的相关理论，并且在借鉴世界银行农村金融机构业绩评价指标的基础上，结合我国农村商业银行的发展现状，从定性和定量的角度建立了我国农村商业银行竞争力评价指标体系，为文章后续的实证研究提供了实践支持。然后，在农商银行竞争力评价指标体系的基础上运用因子分析法对我国15家农商银行竞争力做出实证研究，找到银行规模和创新能力、盈利性及产权治理结构、安全性、流动性和市场渗透能力是影响农村商业银行竞争力的主要因素，同时给出这些农商银行竞争力的综合排名。其次，在因子分析的基础上运用聚类分析法对这些农商银行进行分类，探索各类别具有的特征。最后，根据相关理论和实证研究结果，指出农村商业银行可以从金融创新、规模经济、控制信贷风险、优化股权结构等出发提高自身竞争力，为我国农村商业银行的持续发展、提高竞争力提供参考。
[Abstract]:At the end of 2001, the country carried on the rural credit cooperative reform pilot project in Jiangsu Province, established three rural commercial banks, since then, the rural commercial banks have been set up all over the country one after another. Rural commercial banks as the most important part of the rural financial system, their existence not only greatly broke the high monopoly of our banking system, but also active and enriched the entire rural financial market. With their relatively rapid market reactivity and flexible management mechanism, rural commercial banks have gained a certain market share in the rural financial market, and have made irreplaceable contributions to promoting the development of rural economy and finance in China. With the continuous development of our country's economy and society and the accelerating pace of building a new socialist countryside, the income of rural residents in our country is also increasing. At present, most farmers in our country are no longer engaged in agricultural production only. With the rapid development of the rural economy, more and more financial support is needed for agricultural production, and the number of financial institutions paying attention to the rural market is increasing day by day. It also makes the competition of rural financial market more and more fierce. At the same time, the globalization of finance also makes the competition between banks become more and more serious. Under this background, the rural commercial banks of our country are facing more and more competitive pressure. In that case, it has become a very urgent problem for the rural commercial banks of our country how to compete in the financial market, and from which aspects to improve their own competitiveness and stay in an invincible position in the market competition. Based on the theories of enterprise competitiveness and commercial bank competitiveness, and on the basis of the performance evaluation index of the rural financial institutions of the World Bank, this paper combines the development status of rural commercial banks in China. The evaluation index system of the competitiveness of rural commercial banks in China is established from the qualitative and quantitative points of view, which provides practical support for the subsequent empirical research. Then, based on the evaluation index system of agri-commercial bank's competitiveness, the paper makes an empirical study on the competitiveness of 15 agricultural and commercial banks in China by using factor analysis method, and finds out the scale and innovation ability of banks, profitability, property right governance structure and security. Liquidity and market penetration are the main factors that affect the competitiveness of rural commercial banks. At the same time, the comprehensive ranking of the competitiveness of these rural commercial banks is given. Secondly, on the basis of factor analysis, cluster analysis is used to classify these agricultural banks and explore the characteristics of each category. Finally, according to the relevant theory and empirical research results, the paper points out that rural commercial banks can improve their competitiveness from financial innovation, scale economy, credit risk control, equity structure optimization and so on, for the sustainable development of rural commercial banks in China. To improve the competitiveness of the reference.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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