基于层次分析法的村镇银行竞争力评价研究

发布时间：2018-09-13 06:07

【摘要】：长久以来,农村金融供给不足一直是制约我国农业与农村经济发展的一道瓶颈。2006年底,村镇银行的出现在一定程度上较好的缓解了农村金融供需的矛盾,但从农村金融体系来看,村镇银行竞争能力相对较低,削弱了其在农村金融机构中的地位,影响了其健康可持续发展。因此,如何评价和提升村镇银行竞争力已成为我国理论界所面临的一个重要课题。本文以竞争力理论为基础,结合村镇银行自身的特征从现实竞争力和潜在竞争力出发,选取安全性能力、盈利能力、信息技术能力、流动性能力、社会影响力、可持续发展能力、人才及业务创新能力、经济与政策环境、法人治理结构共9个指标构建了竞争力评价指标体系,运用层次分析法确定了各指标的权重；在此基础上,对我国村镇银行竞争力现状进行了统计性描述分析,结果发现村镇银行的竞争力较弱,主要是由于其盈利性不强,创新能力不足等引起的；然后选取6家村镇银行运用综合评价法对竞争力进行综合评价。实证表明,村镇银行存在着安全性能力较差、盈利能力不强、社会影响力不高、信息技术水平有待提高等问题；最后指出村镇银行应该从充分利用信息优势做好信用风险防范、注重创新农户需求的产品和服务、提高村镇银行的社会影响力等三个方面来提高自身的竞争力。
[Abstract]:For a long time, the insufficient supply of rural finance has been a bottleneck restricting the development of agriculture and rural economy in our country. At the end of 2006, the appearance of village banks has alleviated the contradiction between supply and demand of rural finance to a certain extent. But from the point of view of rural financial system, the competitive ability of rural banks is relatively low, which weakens their position in rural financial institutions and affects their healthy and sustainable development. Therefore, how to evaluate and enhance the competitiveness of village banks has become an important subject in the theoretical circle. Based on the theory of competitiveness and the characteristics of village banks, this paper selects security ability, profit ability, information technology ability, liquidity ability, social influence from the point of view of realistic competitiveness and potential competitiveness. Sustainable development ability, talent and business innovation ability, economic and policy environment, corporate governance structure, a total of 9 indicators to build a competitiveness evaluation index system, using the Analytic hierarchy process to determine the weight of each index, on this basis, This paper makes a statistical description and analysis on the present situation of the competitiveness of village banks in China. The results show that the competitiveness of village banks is weak mainly due to their weak profitability and insufficient ability of innovation. Then 6 villages and towns banks are selected to evaluate their competitiveness by comprehensive evaluation method. The empirical results show that village banks have some problems, such as poor security ability, weak profitability, low social influence, and the level of information technology need to be improved. Finally, it points out that village banks should take full advantage of information to prevent credit risk. Emphasis should be placed on innovating the products and services needed by farmers and improving the social influence of village banks to improve their competitiveness.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F224

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