我国村镇银行盈利能力实证研究

发布时间：2019-03-09 12:25

【摘要】：我国村镇银行是新型农村金融机构的重要组成部分,承载着丰富农村金融市场、服务农村经济的重要使命,是今后要重点发展的新型农村金融机构。村镇银行是否能够持续发展关系到新型农村金融机构的工作安排是否能够顺利进行,关系到多元化农村金融体系的构建,关系到农村金融改革的顺利推进。因此,对我国村镇银行盈利能力这一课题进行研究无疑具有重要的理论和现实意义。在建设具有中国特色的社会主义社会过程中,“三农”问题始终是我党和政府高度重视并着重解决的问题。随着农村经济的发展,当前农村金融需求正经历着多样化的转变,而与此相对应的农村金融供给却明显滞后于这一变化。金融服务多年来一直是我国农村社会化服务体系中的薄弱环节,已经成为制约农村经济发展的一个“瓶颈”。村镇银行的设立为农村金融体系带来了更多的活力,有助于解决农村金融供给不足的问题。然而目前设立的村镇银行本身存在着盈利规模较小、公信力不足、网点较少等问题,如何提高村镇银行的盈利能力和经营效率是切实提高农村金融服务的有效途径。文章通过对村镇银行定义的分析,得出了村镇银行的特征：我国村镇银行的实质是农村社区银行。根据村镇银行的这一实质,文章阐述了全文需要应用到的相关金融理论知识。文章从我国村镇银行设立的背景分析入手,阐述了五年来我国村镇银行经营和发展的总体现状,肯定了这五年来村镇银行在规模上、盈利水平上以及创新举措上取得的显著成绩。同时本文在分析了村镇银行盈利能力方面存在的不足的基础上,重点总结了村镇银行盈利能力的内、外部影响因素。文章的主要创新点和研究成果是以四川仪陇惠民村镇银行、民生银行村镇银行和建设银行村镇银行三家银行2009年-2011年的财务数据为研究样本,利用多元线性回归方法对我国村镇银行盈利能力的影响因素进行实证研究。根据前文对村镇银行盈利能力的透彻分析,文章最后从村镇银行内部增强自身实力和外部改善经营环境两个大的方面入手,提出了自己的一点意见和建议。
[Abstract]:The village and town bank of our country is an important part of the new rural financial institution, which carries the important mission of enriching the rural financial market and serving the rural economy, and is a new type of rural financial institution to be developed with emphasis in the future. The sustainable development of the village bank is related to the smooth arrangement of the new rural financial institutions, the construction of the diversified rural financial system, and the smooth advancement of the rural financial reform. Therefore, it is of great theoretical and practical significance to study the profitability of village banks in China. In the process of building a socialist society with Chinese characteristics, the problem of "agriculture, countryside and farmers" has always been a problem that our party and government attach great importance to and focus on solving. With the development of rural economy, the current rural financial demand is undergoing a variety of changes, but the corresponding rural financial supply lags behind this change. Financial service has been a weak link in the rural socialized service system of our country for many years, and has become a "bottleneck" restricting the development of rural economy. The establishment of the village bank brings more vitality to the rural financial system and helps to solve the problem of the shortage of rural financial supply. However, the village banks set up at present have some problems, such as small profit scale, lack of credibility, less network, and so on. How to improve the profitability and management efficiency of the village banks is an effective way to improve the rural financial services. Through the analysis of the definition of village and town bank, this paper draws the characteristic of village bank: the essence of village bank in China is rural community bank. According to the essence of the village bank, this paper expounds the relevant financial theoretical knowledge that the paper needs to be applied to. Starting from the background analysis of the establishment of the village and town banks in China, this paper expounds the general situation of the operation and development of the village banks in China in the past five years, and affirms the size of the villages and towns banks in the past five years. Significant gains in profitability and innovation initiatives. At the same time, on the basis of analyzing the deficiency of the village bank's profitability, this paper summarizes the internal and external influencing factors of the village bank's profitability. The main innovations and research results of this paper are based on the financial data of Sichuan Yilong Huimin Village Bank, Minsheng Bank and Construction Bank from 2009 to 2011. This paper makes an empirical study on the influencing factors of the profitability of village banks in China by using multiple linear regression method. According to the thorough analysis of the profitability of the village bank, the paper puts forward some opinions and suggestions from the two aspects of strengthening the inner strength of the village bank and improving the operating environment outside the village bank at the end of the paper.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【相似文献】