我国农村商业银行核心竞争力研究

发布时间：2018-02-17 07:33

本文关键词： 农村商业银行核心竞争力可持续发展　出处：《湘潭大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着建设社会主义新农村工作的不断推进，农村金融改革的不断深入，农村金融机构如雨后春笋般蓬勃发展，作为中国金融体系的重要组成部分，为我国农村金融市场的繁荣和发展，做出了重要的贡献。有市场就会有竞争，农村金融市场繁荣发展的同时，各类型金融机构对农村金融市场的争夺也越发激烈。农村商业银行是以服务“三农”为经营理念，以农户和中小企业为目标客户，是解决农户和中小企业融资难问题重要的市场力量。但作为商业银行，它也必须注重其自身的盈利能力，以期实现自身的可持续发展。农村商业银行作为农村金融机构的组成部分，面对严峻的市场竞争环境，如何在竞争中获得发展成为其不可回避的问题。从第一家农商行的成立至今，我国已经有130余家农商行，其快速发展既满足了我国农村和农业对金融服务的需求、完善了我国银行业的层次结构，又给我国农村金融市场带来了新的发展动力。农村商业银行在摸索中不断向前发展。我国的农村商业银行在发展的过程中具备一些优势条件，，如受到国家的政策扶持、具有区域优势等。但也存在着规模较少且具有先天不足的劣势，农村商业银行想在竞争中获得优势地位，就必须发掘并利用其核心竞争力来获得利润和自身的可持续发展。因此，本文选择核心竞争力作为研究农商行的切入点。首先对企业核心竞争力和商业银行核心竞争力的内涵进行了阐述，并对核心竞争力理论进行了概述和总结。在此基础上，对农村商业银行的核心竞争力进行了理论分析。然后，在遵循科学、全面、可得性原则的基础上，根据农村中小金融机构绩效评价体系构建了能够在一定程度上反映农商行核心竞争力的评价指标体系。并选取了15家农商行2010年年报数据采用因子分析法，对15家农商行核心竞争力进行实证研究。最后，根据实证的结果，提出了提升我国农村商业银行核心竞争力的建议。
[Abstract]:With the development of the construction of new socialist countryside and the deepening of the rural financial reform, the rural financial institutions are booming, as an important part of China's financial system. It has made important contributions to the prosperity and development of the rural financial market in China. There will be competition when there is a market. At the same time, the rural financial market will flourish and develop. The competition for rural financial market by various types of financial institutions is becoming more and more fierce. Rural commercial banks take serving "agriculture, countryside and farmers" as their business philosophy and farmers and small and medium-sized enterprises as their target customers. It is an important market force to solve the financing difficulties of farmers and small and medium-sized enterprises. However, as a commercial bank, it must also pay attention to its own profitability. Rural commercial banks, as a component of rural financial institutions, face the severe market competition environment, how to develop in the competition has become an unavoidable problem. Since the establishment of the first agricultural and commercial bank, there have been more than 130 agricultural and commercial banks in China. Its rapid development has not only satisfied the demand for financial services in rural areas and agriculture, but also improved the hierarchical structure of China's banking industry. Rural commercial banks continue to develop forward in the process of development. The rural commercial banks in our country have some advantages in the process of development, such as the policy support of the state. But also has the inferior position which the scale is relatively small and has the innate insufficiency, the rural commercial bank wants to obtain the superiority position in the competition, Therefore, this paper chooses the core competence as the starting point to study the agribusiness. Firstly, the connotation of core competence of enterprises and commercial banks is expounded, and the theory of core competence is summarized and summarized. The core competence of rural commercial banks is analyzed theoretically. Then, on the basis of following the principles of science, comprehensiveness and availability, According to the performance evaluation system of rural small and medium-sized financial institutions, this paper constructs an evaluation index system that can reflect the core competitiveness of agricultural and commercial banks to a certain extent, and selects 15 agricultural and commercial banks' annual report data of 2010 to adopt factor analysis method. This paper makes an empirical study on the core competence of 15 rural commercial banks. Finally, according to the empirical results, the author puts forward some suggestions for improving the core competitiveness of rural commercial banks in China.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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