聊城农村商业银行效率实证研究

发布时间：2018-05-20 01:29

本文选题：聊城农村商业银行 + 效率　；参考：《兰州商学院》2012年硕士论文

【摘要】：农村商业银行作为农村金融改革的产物，已成为农村金融机构今后发展的方向。随着农村商业银行作为“金融企业”的目标确定，如何加强经营管理，提高盈利能力，提升服务水平便成为农村商业银行发展中的重要问题。效率是银行竞争力的集中体现，是衡量银行资源配置和经营成效的重要指标，关系到银行的可持续发展。本文研究山东聊城农村商业银行的效率问题，着重从实证角度分析聊城农村商业银行效率的测度方法、影响因素，并最终找出提升聊城农村商业银行效率的对策，，这对于深化聊城农村商业银行的改革，提升聊城农村商业银行的效率具有现实意义。本文充分运用了国内外关于银行效率研究的相关理论及成果，详细介绍了测度银行效率的参数方法与非参数方法，在此基础上分析比较了这两种方法的优缺点并结合本文研究重点，选用非参数方法的数据包络分析法测算聊城农村商业银行的静态效率，选用Malmquist指数来测算聊城农村商业银行的动态效率。本文以聊城农村商业银行17家支行为考察对象，结合实际选取投入产出指标对聊城农村商业银行2007-2011年的静态效率及各年度间效率的动态变化进行实证分析。实证结果表明：聊城农村商业银行这几年的深化改革是有效的，聊城农村商业银行大部分支行处于规模报酬递增阶段。在此基础上，结合实际客观地分析了影响聊城农村商业银行效率的因素，提出了提高聊城农村商业银行效率的政策建议。
[Abstract]:As the product of rural financial reform, rural commercial banks have become the future development direction of rural financial institutions. With the establishment of rural commercial banks as the target of "financial enterprises", how to strengthen management, improve profitability and improve service level has become an important issue in the development of rural commercial banks. Efficiency is the concentrated embodiment of bank competitiveness and an important index to measure the allocation of bank resources and the effectiveness of operation, which is related to the sustainable development of banks. This paper studies the efficiency of rural commercial banks in Liaocheng, Shandong Province, and analyzes the measurement methods and influencing factors of the efficiency of rural commercial banks in Liaocheng from an empirical point of view, and finally finds out the countermeasures to improve the efficiency of rural commercial banks in Liaocheng. This is of practical significance for deepening the reform of Liaocheng Rural Commercial Bank and improving the efficiency of Liaocheng Rural Commercial Bank. This paper makes full use of the relevant theories and achievements of the research on bank efficiency at home and abroad, and introduces in detail the parametric and non-parametric methods for measuring bank efficiency. On this basis, the advantages and disadvantages of the two methods are analyzed and compared, and the non-parametric data envelopment analysis method is used to measure the static efficiency of Liaocheng Rural Commercial Bank. Select Malmquist index to measure the dynamic efficiency of Liaocheng Rural Commercial Bank. This paper takes 17 branches of Liaocheng Rural Commercial Bank as the object of investigation, and analyzes the static efficiency of Liaocheng Rural Commercial Bank from 2007 to 2011 and the dynamic change of efficiency in each year by combining with the actual input-output index. The empirical results show that the deepening reform of Liaocheng Rural Commercial Bank in recent years is effective, and most of the branches of Liaocheng Rural Commercial Bank are in the stage of increasing returns on a scale. On this basis, this paper objectively analyzes the factors that affect the efficiency of rural commercial banks in Liaocheng, and puts forward some policy suggestions for improving the efficiency of rural commercial banks in Liaocheng.
【学位授予单位】：兰州商学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F224

【引证文献】