我国村镇银行发展的影响因素研究

发布时间：2018-06-30 05:59

本文选题：村镇银行 + 管理模式　；参考：《华南理工大学》2014年硕士论文

【摘要】：随着我国经济的快速发展，“三农”问题日益显现，已成为制约国民经济又好又快发展的一个重要因素，从长远意义上讲，解决“三农”问题已显得十分重要。村镇银行是我国农村金融体制改革和创新的产物，在推进新农村建设中发挥着重要作用，已成为支持当地“三农”发展的生力军，其发展现状、管理模式、影响因素、对策建议也已引起学术界和业界的普遍关注。因此对上述问题进行全面、系统、深入地考察与研究具有重要的意义。本文拟通过多元回归模型对影响我国村镇银行绩效的因素进行实证研究。为此，本文首先介绍了我国村镇银行发展现状分析，对其发展概况以及目前发展过程中存在的问题进行了简要的描述；之后对我国村镇银行的管理总部制、总分行制、控股公司制以及子银行制四种发展模式进行了分析，并在此基础上提出了目前我国村镇银行在以上四种发展模式中存在的问题以及改进的思路与激励约束机制；接着以我国799家村镇银行为研究对象，利用截面数据从盈利能力和风险管理两个指标建立多元回归模型，，实证分析影响我国村镇银行绩效的主要因素；最后，通过多元回归模型，得出我国村镇银行发展的对策建议。通过本文的研究表明，从明晰村镇银行市场定位、加强村镇银行业务创新以及完善村镇银行内部控制制度三个方面入手，可以有效改善我国村镇银行的现状，促进我国村镇银行健康快速发展。
[Abstract]:With the rapid economic development of our country, the problem of "agriculture, rural areas and farmers" has become increasingly apparent, which has become an important factor restricting the sound and rapid development of the national economy. In the long run, it is very important to solve the problem of "agriculture, rural areas and farmers". The village bank is the product of the reform and innovation of the rural financial system in our country. It plays an important role in promoting the construction of the new countryside. It has become a new force to support the development of the local "three rural areas". Countermeasures and suggestions have also aroused widespread concern in academia and industry. Therefore, it is of great significance to investigate and study the above problems comprehensively, systematically and deeply. This paper makes an empirical study on the factors that affect the performance of rural banks in China through multiple regression model. For this reason, this paper first introduces the current situation of the development of village banks in China, and briefly describes the development situation and problems in the current development process, and then gives a brief description of the management headquarter system, the general branch system of the village and town banks in our country. On the basis of the analysis of the four development models of holding company system and sub-bank system, the paper puts forward the problems existing in the above four development models of village and town banks in our country, as well as the improved ideas and incentive and restraint mechanisms. Then taking 799 village banks in China as the research object, using cross-section data from profitability and risk management two indicators to establish a multi-regression model, empirical analysis of the main factors affecting the performance of rural banks in China; finally, Through multivariate regression model, the countermeasures and suggestions for the development of village banks in China are obtained. Through the research of this paper, it is shown that the present situation of village bank can be effectively improved from three aspects: clarifying the market orientation of village bank, strengthening the innovation of village bank business and perfecting the internal control system of village bank. To promote the healthy and rapid development of rural banks in China.
【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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