闽清县农村信用合作联社竞争力研究

发布时间：2018-10-09 21:30

【摘要】：农村信用社作为我国金融体系的重要组成部分、农村金融的主力军,它在支持农村经济发展,解决农户日常融资需要以及扶持农村中小企业发展等方面一直发挥着积极作用。近年来,农村信用社不断改进信贷服务,增加支农投入,在促进农业和农村经济发展,增加农民收入等方面做出了巨大贡献,取得了显著成果。福建省闽清县是一个具有典型意义的山区农业县,闽清县农村信用合作联社作为一级法人企业,在提高自身综合竞争力,使其科学并持续发展的问题上,产生了重大理论和实务课题。通过研究,本文提出了提升闽清县农村信用合作联社显性和隐性竞争力的对策建议,其研究具有重要的现实意义和实用价值。论文在评述相关文献的基础上,概述了闽清县社会经济状况,回顾了闽清县农村信用合作联社的发展历程,阐述了县域农村信用社的性质、地位、功能和特征以及竞争力的内涵和构成,分析了县域农村信用社竞争力的形成基础和条件,指出了县域农村信用社综合竞争力的两个组成部分——显性竞争力和隐性竞争力。在论文第4章,首先构建了显性竞争力评价指标体系,该指标体系由盈利能力、发展能力、经营安全性、资产流动性、市场占有率等5个方面的23个指标构成,通过层次分析法确定指标权重、极差正规化方法进行指标的无量纲化处理等步骤,最终得到的评价结果是：在2006-2012年中,闽清县农村信用合作联社的经营安全性、盈利能力是逐年提升的；发展能力在2009年得到了很大提升,此后稳定在较高水平上；资产流动性2008年后基本上逐年提高,而在2006-2008年间资产流动性是递减的；随着国有四大银行在闽清县的业务展开以及近几年海峡银行和邮储银行的进入,闽清县农村信用合作联社的市场占有率逐年都有所下降。综合来看,闽清县农村信用合作联社显性竞争力总体是不断增强的,其中2008-2011年的显性竞争力提升尤为快速,2011一2012年显性竞争力的提升速度放缓、竞争力水平在高位维持。在闽清县农村信用合作联社与闽清县其他金融机构竞争力的横向比较中,我们使用因子分析法,分别对2006-2012年的状况进行综合评价,结果表明：除2007年信用社排名第二外,闽清县农村信用合作联社在其余年份排名均为第一。论文第5章,分别从法人治理结构、内控制度建设、创新能力水平、信息科技水平、人才队伍建设等隐性竞争力方面,与在闽清县的其他金融机构比较,分析得出闽清县农村信用合作联社具有较高竞争基础、能力和水平的结果。在论文的最后,根据前面各章的研究结果,从提升闽清县农村信用合作联社显性和隐性竞争力方面提出了对策建议。
[Abstract]:As an important part of our country's financial system, rural credit cooperatives play an active role in supporting the development of rural economy, solving the daily financing needs of farmers and supporting the development of small and medium-sized rural enterprises. In recent years, rural credit cooperatives have made great contributions in promoting the development of agriculture and rural economy and increasing farmers' income by continuously improving their credit services and increasing their input to agriculture. Minqing County in Fujian Province is a typical agricultural county in mountainous area. Minqing County Rural Credit Cooperation Association, as a first-level legal person enterprise, has the problem of improving its comprehensive competitiveness and making it develop scientifically and sustainably. Major theoretical and practical issues have emerged. Through the research, this paper puts forward the countermeasures and suggestions to enhance the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association, which has important practical significance and practical value. Based on the review of relevant literature, this paper summarizes the social and economic situation of Minqing County, reviews the development course of Minqing Rural Credit Cooperative, and expounds the nature and status of County Rural Credit Cooperative. This paper analyzes the forming basis and conditions of the competitiveness of county rural credit cooperatives, and points out that the two components of the comprehensive competitiveness of county rural credit cooperatives are explicit competitiveness and recessive competitiveness. In Chapter 4, the paper first constructs a dominant competitiveness evaluation index system, which consists of 23 indicators of profitability, development ability, management security, asset liquidity, market share, etc. Through the analytic hierarchy process (AHP) to determine the index weight and the range regularization method to deal with the dimensionless index, the final evaluation results are as follows: in 2006-2012, Minqing Rural Credit Cooperative Society's management security. The profitability is increased year by year; the development ability has been greatly improved in 2009 and then stabilized at a higher level; the liquidity of assets has basically increased year by year since 2008, but the liquidity of assets has been decreasing between 2006 and 2008. With the business of four state-owned banks in Minqing County and the entry of Straits Bank and Postal savings Bank in recent years, the market share of Minqing Rural Credit Cooperation Association has declined year by year. In general, the dominant competitiveness of Minqing Rural Credit Cooperative Society is increasing, especially in 2008-2011, and the speed of dominant competitiveness is slowing from 2011 to 2012, and the level of competitiveness is maintained at a high level. In the horizontal comparison of the competitiveness of Minqing County Rural Credit Cooperative and other financial institutions in Minqing County, we use factor analysis method to evaluate the situation from 2006 to 2012. The results show that: except for the second place of credit cooperatives in 2007, Minqing County Rural Credit Union in the rest of the year are ranked first. Chapter 5 compares with other financial institutions in Minqing County from the aspects of corporate governance structure, internal control system construction, innovation ability level, information technology level, talent team construction and so on. It is concluded that Minqing Rural Credit Cooperative has a high competitive base, ability and level. At the end of the paper, according to the research results of the previous chapters, the countermeasures and suggestions are put forward to promote the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F271;F832.35

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