主发起人对村镇银行设立的影响分析

发布时间：2018-01-15 07:41

本文关键词：主发起人对村镇银行设立的影响分析　出处：《西南财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：融资难问题一直是制约农村经济大力向前发展的一个瓶颈,国有银行等传统金融的机构不能为县域农村经济提供良好的金融服务。作为农村金融创新组织的村镇银行可以填补农村金融服务的空白,激活农村金融机构的活力。清晰的产权制度和公司治理模式使得村镇银行的管理目标是服务于股东利益的。因此,不同种类的股东,特别是各种主发起人,对村镇银行的设立会施加不同的影响。了解这些不同影响对促进和规范村镇银行的设立、更好的服务于新农村建设具有重要意义。本文在理论探讨的基础上,通过收集公开信息,建立了截止2011年12月末所有银监会已批准设立的村镇银行的数据库；并在此基础上进行描述性统计分析,包括规模、结构和趋势；然后对数据按照发起行类别进行分组后,进行组内和组间的对比分析,在对各变量间进行相关分析后探究影响变量的各因素。从主发起行的不同类型来看,政策性银行设立的村镇银行从最开始的欠发达地区逐渐转移到了发达地区；平均注册资本最高,并有逐年增加的趋势；大股东主要是绝对控股,合资对象主要是企业法人。外资银行每年设立的村镇银行数相差无几,但一直在中部地区；注册资本虽也有上升趋势,但平均值较低；大都采用独资有限责任公司的形式。国有商业银行平均每家发起的村镇银行数最多,它们设立的村镇银行数和注册资本趋于稳定；大股东主要是绝对控股,合资对象主要是企业法人。股份制商业银行发起村镇银行数居第二；它们设立的村镇银行数和注册资本趋于稳定;发起地区也集中在中东部；地区分布除了从西向东蔓延之外,也有从大本营开始向外扩散的特点：它们多和企业法人发起绝对控股的股份有限公司。城市商业银行发起村镇银行的总数最多；它们大多在同区域开设村镇银行；平均注册资本不高。农村商业银行多跨省设立；注册资本较大。农村合作银行多跨地级市发起;注册资本的平均水平较高,但分布无规律;主发起人的出资比例较低。农村信用社设立的村镇银行数变化也不大;大多在同区域内设立村镇银行,注册资本平均较低。从区域来看,内蒙古自治区、辽宁省、江苏省、浙江省的地方性股份制银行发起的村镇银行最多,而在这些地区设立的村镇银行家数也最多。而青海省、甘肃省、新疆自治区、云南省、贵州省等欠发达地区村镇银行设立相对不足。另外,广东省和江苏省的农商行设立村镇银数行较多,浙江省和安徽省的农合行发起村镇银行较活跃,辽宁省则是农信社设立村镇银行较多。本文的章节安排如下：在第一章绪论部分陈述了村镇银行的设立背景、银监会的政策发展以及本题的研究意义、主要研究方法和主要结论；第二部分是文献综述部分,在对村镇银行大股东治理评价相关的文献进行梳理后,总结了村镇银行地域分布、跨区经营、注册资本和组织形式方面的理论基础；第三部分是对本文所采用数据的一个简单的说明；第四部分至第七部分则是对数据进行各种统计的分析包括各类主发起行发起村镇银行的总数及趋势、主发起人对地区分布的影响、主发起人对注册资本及股权结构影响、主发起人对组织方式的影响等；在第八部分对各类村镇银行进行总结后在第九部分提出了对主发起行分类管理的建议；最后总结了本文可能的贡献和存在的不足。
[Abstract]:The problem of financing difficulty has been a bottleneck restricting the rural economy ' s vigorous development . Traditional financial institutions such as state - owned banks cannot provide good financial services for the county ' s rural economy . As the village and town bank of rural financial innovation organizations can fill the gap of rural financial services , activate the vitality of rural financial institutions . Therefore , different kinds of shareholders , especially the various main sponsors , have different effects on the establishment of village banks . Based on the theoretical discussion , by collecting the public information , the database of the village and town banks which have been approved by the CIRC at the end of December 2011 has been set up , and the descriptive statistical analysis is carried out on this basis , including the scale , structure and trend . Then , after grouping the data according to the category of the initiating line , the comparative analysis between the group and the group is carried out , and the factors influencing the variables are explored after the relevant analysis among the variables . According to the different types of the main initiating lines , the village and town banks established by the policy banks have gradually shifted from the most developed underdeveloped areas to the developed areas ; the average registered capital is the highest , and there is a tendency to increase year by year . From the regional perspective , the number of village and town banks initiated by local joint - stock banks in Inner Mongolia Autonomous Region , Liaoning Province , Jiangsu Province and Zhejiang Province is the largest , and the number of village and town bankers established in these areas is also the largest . In addition , the Bank of Qinghai , Gansu , Xinjiang Autonomous Region , Yunnan Province , Guizhou Province and other less developed regions have relatively insufficient banks . Chapter 1 is about the background of the establishment of the village bank , the policy development of the Banking Regulatory Commission and the research significance of the subject , the main research methods and the main conclusions , the second part is a brief explanation of the regional distribution , the influence of the promoter on the regional distribution , the influence of the main sponsor on the registered capital and the equity structure , the influence of the main sponsor on the organization mode , etc .

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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