贵州省村镇银行盈利模式及盈利能力研究

发布时间：2018-05-24 01:35

本文选题：村镇银行 + 盈利模式　；参考：《贵州财经大学》2014年硕士论文

【摘要】：目前,我国政府一直把农村金融改革作为我国政府农村工作的核心部分。虽然,我国大型金融机构在近几年加大了对农村金融市场的服务力度。但是从近几年农村改革的实践来看,我国农村金融还是存在很多的问题,农村金融供需还是存在很大的缺口。其己成为制约我国农村经济进程的关键环节。作为我国新型农村金融机构的最主要的组成部分,村镇银行的蓬勃发展给农村金融的改革带来了新的血液。村镇银行在经过7年左右的摸索和发展,取得了一定的成绩：不管是银行数量、发展规模,还是治理结构、风险控制都取得了不错的进步。但是,村镇银行在发展中也暴露了很多的问题：贷款需求很大而吸储困难,存贷比率高；盈利模式单一,盈利能力过分依赖于存贷利率差,风险管理能力有待加强。于是,本文在综述了国内外相关村镇银行盈利模式与盈利能力研究文献的基础上,首先介绍了研究的相关理论基础,并对研究的关键概念进行界定和比较；然后分析了国内外成功村镇银行的主要的盈利模式,并探讨了贵州省村镇银行在盈利模式上存在的问题；随后,结合村镇银行的盈利特征和传统杜邦分析体系优缺点,构建了一套对村镇银行更具针对性的杜邦分析体系,并对贵州省X村镇银行的盈利能力进行实证分析,以及对其与当地农信社盈利能力进行了对比分析；最后,得到对贵州省村镇银行的盈利模式与盈利能力具有可靠性的结论,并提出贵州村镇银行在发展中存在的问题,给出相应的政策建议。本文在研究过程中,针对贵州省村镇银行盈利模式与盈利能力的相关问题,运用文献研究与实地考察相结合,定性理论分析和定量财务模型分析相结合。本文共分七章来展开研究,并最终在三个方面取得了一定的创新：第一,本文对传统杜邦分析体系的进行改进,使其更加适合分析村镇银行盈利能力；第二,本文首次从村镇银行与农信社的盈利能力中的盈利性和风险性相关性角度进行了比较研究,研究角度具有一定的新意；第三,现阶段的研究主要是把所有村镇银行作为整体进行研究,或者主要是分析中东部村镇银行经营情况；从贵州的实际情况对贵州省村镇银行进行定量研究的文章比较少,本文可以弥补研究在这一方面的空白。
[Abstract]:At present, our government always regards the rural financial reform as the core part of our government's rural work. Although, China's large financial institutions in recent years to increase the service to the rural financial market. However, from the practice of rural reform in recent years, there are still many problems in rural finance in our country, and there is still a big gap between supply and demand of rural finance. It has become the key link of restricting the rural economic process of our country. As the most important part of new rural financial institutions, the vigorous development of village banks brings new blood to the reform of rural finance. After 7 years of exploration and development, village banks have made certain achievements: whether the number of banks, the scale of development, or governance structure, risk control has made good progress. However, in the development of village banks, many problems have been exposed: large demand for loans, difficulty in absorbing deposits and loans, high ratio of deposits and loans, single profit model, excessive reliance on interest rates between deposits and loans, and need to be strengthened in risk management. On the basis of summarizing the domestic and foreign research literature on the profit model and profitability of village and town banks, this paper first introduces the relevant theoretical basis of the study, and defines and compares the key concepts of the research. Then it analyzes the main profit models of the successful village banks at home and abroad, and discusses the problems existing in the profit mode of the village banks in Guizhou Province. Then, combining the profit characteristics of the village banks and the advantages and disadvantages of the traditional DuPont analysis system, A set of DuPont analysis system of village bank is constructed, and the profit ability of X village bank in Guizhou province is empirically analyzed, and compared with that of local rural credit agency. Finally, This paper draws a conclusion that the profit model and profitability of Guizhou Village Bank are reliable, and puts forward the problems existing in the development of Guizhou Village Bank, and puts forward corresponding policy suggestions. In the course of the research, aiming at the problems related to the profit model and profitability of rural banks in Guizhou province, this paper combines the literature research with the field investigation, the qualitative theoretical analysis and the quantitative financial model analysis. This paper is divided into seven chapters, and finally in three aspects of innovation: first, this paper improves the traditional DuPont analysis system to make it more suitable for the analysis of village bank profitability; second, This paper makes a comparative study on the correlation between profitability and risk in the profitability of village banks and rural credit cooperatives for the first time. At this stage, the main research is to study all village banks as a whole, or mainly to analyze the management of village banks in the middle and eastern part of the country. There are few articles on quantitative research of rural banks in Guizhou Province from the actual situation in Guizhou. This paper can make up the blank in this respect.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

【参考文献】