广东江苏两省农村商业银行运营效率比较研究

发布时间：2018-11-11 16:15

【摘要】：农村商业银行是我国农村信用社改革之下的产物,自2001年11月,张家港农商银行——我国第一家农村商业银行组建以来,农村商业银行的改革已经经历了15年的改革发展历程,已经成为了农村金融体系中的重要组成部分。在这15年间,各地的农商银行不论是从数量、资产规模还是盈利能力等方面都实现了质的飞跃。作为农村金融机构未来的主要生力军,解决三农问题,要求其具有更高的运营效率。而效率更是可以检验各银行转型效果的重要指标。广东省江苏省作为全国第一、第二大经济大省,经济环境具有很强的可比性,也先后进行了农村商业银行的改革。比较两省农村银行的经营效率可以帮助我们认识近几年两省农村商业银行改革的成效与不足之处,也有相互借鉴之意。本文研究的对象是广东江苏两省农村商业银行,本论文运用数据包络法,通过选取了广东省内7家农村商业银行,江苏省内9家农村商业银行一共16家农村商业银行2012-2014年连续3年的数据进行实证研究,试图在效率理论的基础上,通过实证分析比较两省农村商业银行的效率问题,以期为我省农村商业银行提高效率提出有用的建议。在研究框架上,本文先阐述了农村商业银行的概况,进而概述了目前对商业银行运营效率的理论及评价方法,再引出两省农村商业银行的现实比较。最后根据DEA方法做出实证后,提出影响两省农村商业银行运营效率的因素,再而提出建议。
[Abstract]:Rural commercial banks are the product of the reform of rural credit cooperatives in China. Since the establishment of Zhangjiagang Rural Commercial Bank, the first rural commercial bank in China, the reform of rural commercial banks has undergone 15 years of reform and development. Has become an important part of the rural financial system. In the past 15 years, agricultural and commercial banks have achieved a qualitative leap in terms of quantity, asset size and profitability. As the main force of rural financial institutions in the future, to solve the problems of agriculture, rural areas and farmers requires higher operational efficiency. Efficiency is an important index to test the effect of bank transformation. As the first and second largest economic province in China, Jiangsu Province of Guangdong Province has a strong comparability of economic environment, and has also carried out the reform of rural commercial banks one after another. Comparing the operational efficiency of the two provinces' rural banks can help us to understand the results and shortcomings of the reform of the two provinces' rural commercial banks in recent years. The research object of this paper is rural commercial banks in two provinces of Guangdong and Jiangsu. This paper uses data envelopment method to select 7 rural commercial banks in Guangdong Province. The data of 16 rural commercial banks in Jiangsu province from 2012 to 2014 are studied empirically. Based on the efficiency theory, the paper tries to compare the efficiency of rural commercial banks between the two provinces by empirical analysis. In order to improve the efficiency of rural commercial banks in our province to put forward useful suggestions. In the framework of the research, this paper first describes the general situation of rural commercial banks, and then outlines the current operational efficiency of commercial banks theory and evaluation methods, and then leads to the two provinces of rural commercial banks reality comparison. Finally, according to the DEA method, the paper puts forward the factors that affect the operational efficiency of rural commercial banks in the two provinces, and then puts forward some suggestions.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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