我国村镇银行的财务效率影响因素研究——基于宏观经济环境视角

发布时间：2018-05-06 06:46

本文选题：村镇银行 + 财务效率　；参考：《宏观经济研究》2016年05期

【摘要】：本文采用DEA方法测算了来自全国23个省份的72家村镇银行在2008—2012年间的财务效率值,并基于宏观环境视角,运用Tobit模型实证分析了样本银行财务效率的影响因素。实证结果显示现阶段我国村镇银行的发展尚处在初级阶段,村镇银行的财务效率值总体偏低。影响村镇银行财务效率的因素很复杂,村镇银行所在地区的宏观经济环境会影响其财务效率,城乡居民人民币储蓄存款余额和全社会固定资产投资增长率与村镇银行的财务效率之间都具有显著的正相关性,但样本银行所在地区的人均GDP与村镇银行的财务效率之间不存在相关性,意味着在经济发达地区运营的村镇银行不一定更能实现财务效率的提高。我们的研究结果对于鼓励主发起行在经济欠发达地区设立村镇银行的政策举措具有启示意义。
[Abstract]:This paper uses DEA method to calculate the financial efficiency of 72 village banks from 23 provinces in China from 2008 to 2012. Based on the macro environment perspective, the paper empirically analyzes the influencing factors of sample banks' financial efficiency by using Tobit model. The empirical results show that the development of village banks is still in the primary stage, and the financial efficiency of village banks is on the low side. The factors that affect the financial efficiency of village banks are very complex. The macroeconomic environment of the areas where village banks are located will affect their financial efficiency. There is a significant positive correlation between the balance of RMB savings deposits of urban and rural residents and the growth rate of fixed assets investment in the whole society and the financial efficiency of village and town banks. But there is no correlation between the average GDP of the sample bank and the financial efficiency of the village bank, which means that the village bank operating in the economically developed area may not be able to achieve the improvement of the financial efficiency. Our findings are instructive to encourage the initiative to set up village banks in underdeveloped areas.
【作者单位】：华南理工大学经济与贸易学院;
【基金】：国家社科基金一般项目“微型金融机构使命偏移问题及对策研究”(项目编号:13BJL072) 广东省科技计划软科学研究专项项目资助(2014A070703016) 广州市哲学社科项目(15Y07)的阶段性研究成果中央高校基本科研业务费杰出青年项目(2015JCRC05)的资助
【分类号】：F832.35;F830.42

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