我国农村商业银行可持续发展研究

发布时间：2018-01-17 03:21

本文关键词：我国农村商业银行可持续发展研究　出处：《湘潭大学》2015年硕士论文　论文类型：学位论文

【摘要】：农村金融改革一直被视为中国金融改革的攻坚之战。农村金融能否通过机制和机构的改革实现商业化可持续经营,一直是学术界和决策层思考和讨论的问题。农村商业银行作为农村金融体系的主要组成部分,其可持续发展更是受到各界的关注和重视。自2003年农村信用社改革试点全面启动以来,农村商业银行纷纷组建,经过十多年的发展,其无论是在资产的市场份额还是在经营管理和风险控制能力等方面都有了较大的提高,公司治理结构也日趋完善,为促进我国农村经济发展作出了重要贡献。但是,面对不同的市场环境和经济背景,各农村商业银行的发展是极为不平衡的,有一部分农村商业银行表现出了较强的综合实力和可持续发展能力,也有少数农村商业银行的发展进步缓慢,可持续发展能力亟待提高。央行研究局局长陆磊在《中国农村金融服务报告(2014)》发布会上指出“内生和可持续的发展是中国农村金融建设的目标。”因此,研究农村商业银行可持续发展的能力及其影响因素对我国农村金融体系的建设和农村经济的健康发展具有重要意义。本文将以影响农村商业银行发展的因素为出发点,分析我国农村商业银行的发展现状,思考我国农村商业银行可持续发展的途径。本文借鉴世界银行关于农村金融机构的业绩评估指标体系,构建了我国农村商业银行可持续发展的评价指标体系,基于各农村商业银行披露的年报信息,收集了我国10家农村商业银行2010年至2013年相对全面完整的指标数据,并综合采用体现客观数据信息的CRITIC分析法和具有主观色彩的AHP分析法对农村商业银行的可持续发展能力进行了横向和纵向比较研究,经过分析得出了以下结论:第一,在不同的年份,各个因素对农村商业银行可持续发展的影响权重存在一定差异,但综合来看,公司治理结构、获利能力、成长能力、创新能力以及风险控制能力是影响农村商业银行可持续发展最重要的因素。第二,各农村商业银行的可持续发展能力各有差异,西部地区两家农村商业银行表现出较大的发展潜力;东部地区部分农村商业银行发展能力较弱;中部地区两家农村商业银行发展动力不足。第三,大部分农村商业银行的发展持续向好,综合实力逐年提高,农村商业银行的可持续发展能力正在逐步形成。因此,在农村经济发展和社会转型步伐不断加快的背景下,农村商业银行要实现可持续发展目标,必须因地制宜采取措施,从多方面努力,通过多种途径的相互配合,促进可持续发展发展能力提高。
[Abstract]:Rural financial reform has always been regarded as a difficult battle in China's financial reform. Can rural finance realize commercialization and sustainable management through mechanism and institutional reform. Rural commercial banks are the main components of the rural financial system. The sustainable development of rural credit cooperatives has been paid more attention to. Since 2003, rural commercial banks have been set up one after another and have been developed for more than ten years since the reform of rural credit cooperatives was launched in full scale in 2003. Both the market share of assets and the ability of management and risk control have been greatly improved, and the corporate governance structure is becoming more and more perfect. It has made an important contribution to promoting the development of rural economy in China. However, in the face of different market environment and economic background, the development of rural commercial banks is extremely unbalanced. Some rural commercial banks have shown a strong comprehensive strength and sustainable development capacity, but also a few rural commercial banks slow development progress. The ability of Sustainable Development needs to be improved urgently. Lu Lei, Director of the Research Bureau of the Central Bank of China, in the China Rural Financial Services report No. 2014). "Endogenous and sustainable development is the goal of China's rural financial construction," the press conference said. It is of great significance for the construction of rural financial system and the healthy development of rural economy to study the ability of sustainable development of rural commercial banks and its influencing factors. Send it out. This paper analyzes the current situation of the development of rural commercial banks in China, and thinks about the ways of sustainable development of rural commercial banks in China. This paper draws lessons from the performance evaluation index system of the World Bank on rural financial institutions. The evaluation index system of the sustainable development of rural commercial banks in China is constructed, which is based on the annual report information disclosed by the rural commercial banks. Collected 10 rural commercial banks in China from 2010 to 2013 relatively complete index data. And comprehensive use of the objective data information of CRITIC analysis and subjective AHP analysis of the sustainable development of rural commercial banks horizontal and vertical comparative study. Through the analysis of the following conclusions: first, in different years, each factor on the sustainable development of rural commercial banks have some differences in weight, but in a comprehensive view, corporate governance structure, profitability. The ability of growth, innovation and risk control are the most important factors affecting the sustainable development of rural commercial banks. Two rural commercial banks in western China show great development potential; The development ability of some rural commercial banks in eastern region is weak; The development of the two rural commercial banks in the central region is insufficient. Third, the development of most rural commercial banks continues to be good, the comprehensive strength is increasing year by year. The ability of sustainable development of rural commercial banks is gradually formed. Therefore, under the background of accelerating the pace of rural economic development and social transformation, rural commercial banks should achieve the goal of sustainable development. Measures must be taken according to local conditions to improve the ability of sustainable development.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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