我国农村商业银行竞争力研究

发布时间：2018-11-23 17:18

【摘要】：农村商业银行是我国农村信用社改革的产物,在改革深化中不断发展壮大,已成为农村金融体系中的重要组成部分，是我国农村金融的主力军，为我国“三农”的发展贡献了巨大的力量。自2001年我国第一家农村商业银行在江苏张家港成立以来，农村商业银行在各地迅速成立，有了较快的发展，截止到2012年我国农村商业银行共成立278家，农村商业银行成立以来，对于农村金融服务质量的提高和农村金融市场的完善起到了重大的作用。我国银行之间的竞争逐渐激烈，金融市场之间的竞争程度逐渐加深，在金融竞争日趋激烈的环境下,我国农村商业银行的竞争力如何，运营效率的好坏是一个值得关注的问题。本文基于数据包络分析法和主成分分析法来研究我国农村商业银行的竞争力。首先，介绍了商业银行竞争力的理论；其次，，根据商业银行竞争力的理论采用数据包络分析法（DEA）和主成分分析法对我国农村商业银行的竞争力进行实证研究；再次，针对我国农村商业银行竞争力的现状，提出了增强农村商业银行竞争力的建议。本文的研究对象是我国农村商业银行。本文的贡献是运用数据包络分析法（DEA）和主成分分析法对样本农村商业银行进行实证研究，进而给出样本银行竞争力的排名，找出了影响农村商业银行竞争力的因素，提出了提高农村商业银行竞争力的对策。然而，本文也存在一些不足，由于一些农村商业银行的数据没有公开，只选了一些有代表性的样本银行进行研究，难免存在一些偏差。
[Abstract]:Rural commercial banks are the product of the reform of rural credit cooperatives in China. They have become an important part of the rural financial system and the main force of rural finance in China. It has contributed a great deal to the development of agriculture, rural areas and farmers in China. Since the establishment of the first rural commercial bank in Zhangjiagang, Jiangsu Province in 2001, the rural commercial bank has been established rapidly and developed rapidly. By 2012, a total of 278 rural commercial banks have been established in China, and rural commercial banks have been established since the establishment of rural commercial banks. It plays an important role in improving the quality of rural financial services and improving the rural financial market. The competition between the banks in our country is gradually fierce, the competition degree among the financial markets is deepening gradually. In the environment of the increasingly fierce financial competition, the competitiveness of the rural commercial banks in our country and the quality of the operational efficiency are a problem worth paying attention to. This paper studies the competitiveness of rural commercial banks in China based on data Envelopment Analysis and Principal component Analysis. Firstly, it introduces the theory of the competitiveness of commercial banks; secondly, according to the theory of competitiveness of commercial banks, the paper makes an empirical study on the competitiveness of rural commercial banks in China by using data Envelopment Analysis (DEA) and Principal component Analysis (PCA). Thirdly, in view of the present situation of rural commercial banks' competitiveness, the paper puts forward some suggestions to enhance the competitiveness of rural commercial banks. The research object of this paper is the rural commercial bank of our country. The contribution of this paper is to use data Envelopment Analysis (DEA) and Principal component Analysis (PCA) to make an empirical study on the sample rural commercial banks, and then give the ranking of the sample banks' competitiveness, and find out the factors that affect the competitiveness of rural commercial banks. The countermeasures to improve the competitiveness of rural commercial banks are put forward. However, this paper also has some shortcomings, because some rural commercial banks' data are not published, only some representative sample banks are selected for research, and there are inevitably some deviations.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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