我国村镇银行效率及影响因素的实证研究

发布时间：2018-02-28 18:34

本文关键词： 村镇银行效率影响因素　出处：《华南理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：村镇银行作为新型的农村金融机构，起到填补农村金融空白、增加农村金融供给和支农扶农的作用，且其地位和作用越来越重要。现阶段，我国对村镇银行效率的实证研究较少，且在数据上存在明显不足，对其效率的影响因素的研究更是微乎其微。因此，对我国村镇银行效率及影响因素的研究十分迫切而且必要。本文主要测算了我国村镇银行的效率及对其影响因素进行了分析。首先，，在借鉴国内外现有研究成果的基础上，结合我国村镇银行发展现状，文章运用DEA方法，对我国村镇银行的效率进行了测算；其次，使用Tobit回归模型，以DEA方法下的综合技术效率值为因变量，对村镇银行效率的影响因素进行了定量分析，揭示了影响效率的各个因素，以及这些因素对效率的影响方向和影响程度。围绕这两个核心,文章得出如下结论：第一，我国村镇银行效率较低并且存在区域差异。我国大部分村镇银行的纯技术效率、规模效率和综合技术效率均处于无效率状态或者效率水平较低，但规模效率的总体表现比纯技术效率要好，因此导致综合技术效率较低的主要原因是纯技术效率比较低，其次才是规模效率。此外，中西部地区比东部地区具有更多高效率值的村镇银行；发起行为农村金融机构的村镇银行的效率比非农村金融机构发起的村镇银行要高。第二，影响我国村镇银行效率的因素各自对效率起着不同方向作用。论文分别使用了定性和定量分析方法，其中，定性分析认为较高的资产质量、较强盈利能力和较好的安全性能够增加效率；当主发起行的身份为农村金融机构时，也有助于村镇银行提高效率；而资产配置能力和股权结构均对效率同时存在两种截然相反的影响。定量分析认为金融业市场化指数和存贷比均对效率存在负面的影响；农村居民人均纯收入、净资产收益率、第一大股东持股比例以及资本充足率均对效率存在积极的影响；中西部地区的村镇银行比东部地区的效率更高。
[Abstract]:As a new type of rural financial institution, village bank plays an important role in filling the gap of rural finance, increasing the supply of rural finance and supporting agriculture and supporting agriculture. There are few empirical studies on the efficiency of village banks in our country, and there are obvious deficiencies in the data, and the research on the influencing factors of the efficiency of rural banks is even less. Therefore, it is very urgent and necessary to study the efficiency and influencing factors of rural banks in China. This paper mainly estimates the efficiency of village banks in China and analyzes its influencing factors. Firstly, based on the existing research results at home and abroad, combined with the current situation of the development of village banks in China, this paper uses DEA method. The paper calculates the efficiency of village banks in China. Secondly, using the Tobit regression model and the comprehensive technical efficiency value under the DEA method as dependent variables, the factors affecting the efficiency of village banks are quantitatively analyzed. This paper reveals the factors influencing efficiency, the direction and degree of these factors affecting efficiency. Around these two core, the paper draws the following conclusions:. First, the efficiency of rural banks in China is low and there are regional differences. The pure technical efficiency, scale efficiency and comprehensive technical efficiency of most village banks in China are in the state of inefficiency or the level of efficiency is low. However, the overall performance of scale efficiency is better than that of pure technology, so the main reason for the low efficiency of integrated technology is the low efficiency of pure technology, followed by the efficiency of scale. There are more village banks with higher efficiency in the central and western regions than in the eastern region, and the efficiency of the village banks initiating the behavior of rural financial institutions is higher than that of the rural banks initiated by non-rural financial institutions. Secondly, the factors affecting the efficiency of village and town banks play different roles in the efficiency. The qualitative and quantitative methods are used in this paper, among which, the qualitative analysis shows that the higher asset quality is. Stronger profitability and better security can increase efficiency, when the main bank is a rural financial institution, it can also help the village bank to improve its efficiency. Both asset allocation ability and equity structure have two opposite effects on efficiency at the same time. The quantitative analysis shows that the marketization index of financial industry and the ratio of deposit to loan have negative effects on efficiency, the per capita net income of rural residents, the rate of return on net assets, the ratio of return on net assets, The proportion of the largest shareholders and the ratio of capital adequacy have a positive impact on efficiency, and the rural banks in the central and western regions are more efficient than those in the eastern region.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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