江苏泗洪农村商业银行运行效率及其影响因素研究

发布时间：2018-01-03 04:23

本文关键词：江苏泗洪农村商业银行运行效率及其影响因素研究　出处：《南京农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革的目的是为了提高效率,而效率则代表了在现有的资源条件下更快更好地达成组织目标的能力。农村金融体制改革推行多年,当前农村信用社的效率如何?是否有利于实现其所肩负的利润最大化和肩负三农两大目标?哪些因素是影响农村信用社效率提高的主要因素,即影响其实现目标能力的因素?本文以泗洪县农村信用社(现为泗洪农村商业银行)为例,在阅读已有文献的基础上,构建了农村商业银行运行效率评价投入产出指标体系。该体系在一般商业银行投入产出指标选取的基础上,增加能够体现农村商业银行服务三农宗旨的年度涉农贷款发放额产出指标,试图将农村信用社利润最大化和服务三农两大目标融合。分别运用数据包络分析方法(DEA)和方差分析方法,对以上两个问题进行研究。研究结果表明泗洪县农村商业银行运营的总效率偏低,且主要是由于技术进步的变动过低导致。得益于技术进步变动处于较高水平,归仁支行和临淮支行的综合效率水平较高。金锁支行和重岗支行的技术效率水平较高,前者主要得益于规模效率的改进,后者主要得益于纯技术效率的提高。泗洪县农村商业银行总体的技术进步是处于下降的状态,所有比较对象中,只有归仁支行和临淮支行的技术进步处于上升状态,其余支行包括泗洪县农村商业银行技术进步均处于下降的状态。纯技术效率和规模效率的分布情况与技术效率的分布情况差异不大。泗洪县农村商业银行各支行的运行综合效率影响因素研究结果表明人员质量、盈利能力、规模和资产质量等对泗洪县农村商业银行各支行的综合效率有显著的正向影响；资源配置能力、多样化程度、抗风险能力和地区因素等对泗洪县农村商业银行各支行的综合效率的影响不显著。在此基础上,本文提出了转变管理理念,重视综合效率；提高管理水平,提高技术效率；加强科技改进,促进技术进步；明确自身定位,坚持服务三农；重视人才培养,保障发展动力等对策和建议。
[Abstract]:The purpose of the reform is to improve efficiency, while efficiency represents the ability of faster and better achieve the goals of the organization in the existing resources. Under the condition of rural financial system reform carried out for many years, how about the efficiency of the current rural credit cooperatives? Whether to undertake the maximum profit and has two major objectives of agriculture which factors? Is the main factor affecting the efficiency of rural credit cooperatives, the factors affecting its ability to achieve objectives? This paper takes Sihong County Rural Credit Cooperatives (now Sihong Rural Commercial Bank) as an example, based on the existing literature, establishes efficiency evaluation of rural commercial bank input-output index system. In the general commercial bank investment based on the output index selection system, the annual increase of agriculture related loans output index can reflect the rural commercial bank, rural services aim, to rural credit cooperatives The two major goals of profit maximization and service agriculture, agriculture and rural areas are integrated. The above two problems are studied by using the method of data envelopment analysis (DEA) and variance analysis.
The results show that the low total efficiency of Sihong County Rural Commercial bank operation, which is mainly due to changes in the low technology. Thanks to technology changes at a high level, the overall efficiency level of Gueiren branch and linhuai branch of the high level of technical efficiency. The Golden branch and heavy Kong branch high in scale efficiency improvement the former mainly benefits, the latter mainly benefited from increased pure technical efficiency. The technology of rural commercial banks in Sihong county overall progress is the decline in the state, all objects, only the technology progress Gueiren branch and linhuai branch is rising, the other branch including Sihong County Rural Commercial Bank are in decline in the state of technological progress the distribution of differences. Distribution of technical efficiency and pure technical efficiency and scale efficiency is low.
Effect of comprehensive operation efficiency of the Rural Commercial Bank of Sihong County branch research factors showed that the quality of personnel, profitability, scale and asset quality has a significant positive impact on the overall efficiency of Sihong County Rural Commercial Bank branches; the ability of resource allocation, diversification degree, influence the comprehensive efficiency of anti risk ability and regional factors of Sihong each branch of the county rural commercial banks is not significant.
On this basis, this paper puts forward the countermeasures and suggestions for changing management concepts, focusing on comprehensive efficiency, improving management level, improving technical efficiency, strengthening technological improvement, promoting technological progress, positioning clearly, insisting on serving three rural areas, attaching importance to talent training and ensuring development momentum.

【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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