村镇银行绩效评价体系研究
发布时间：2019-04-13 12:38
【摘要】：为改善农村金融地区金融服务落后的情况，银监会出台政策设立村镇银行。村镇银行设立的宗旨是立足县域，服务“三农”，自2007年至今，村镇银行的发展已经有将近七年的时间，在这个过程中暴露了很多的问题，但也为农村地区的金融发展贡献了不容小觑的力量。在过去几年中全国各地已经陆续建立了村镇银行，所以建立一套评价体系来引导村镇银行的发展方向和衡量村镇银行的发展情况有很强的现实意义。 本文在不完全竞争理论、利益相关者理论和企业公民社会责任理论的基础之上，根据村镇银行自身特点，从盈利性、安全性、流动性以及农村金融服务情况四个方面设置评价指标，并采用基于主成分分析的BP网络的评价方法和聚类分析，最终将待评价样本分为三组，显示出各村镇银行间绩效的差异。由于数据的可得性，本文采用实地调研取得的内蒙古银行为发起行的31家村镇银行为对象，对这31家村镇银行进行绩效评价。评价结果显示设立时间，，注册规模、设立所在地的经济环境以及内部创新程度等都是影响村镇银行绩效的因素，最后提出提升村镇银行绩效的政策建议，村镇银行要明确自身市场定位，立足服务县域经济、服务“三农”不动摇，制定战略规划，利用自身地缘和人缘优势进行风险管理并与其他银行进行差异化创新竞争，同时完善内部制度进行长远规划。
[Abstract]:In order to improve the backwardness of financial services in rural financial areas, CBRC issued a policy to establish village banks. The purpose of the village and town bank is to base itself on the county level and serve the "three rural areas". Since 2007, the development of the village bank has lasted nearly seven years, and many problems have been exposed in this process. But also contributed to the financial development of rural areas can not be underestimated. In the past few years, village and town banks have been set up one after another throughout the country, so it is of great practical significance to establish a set of evaluation system to guide the development direction of village and town banks and to measure the development of village and town banks. On the basis of incomplete competition theory, stakeholder theory and corporate civil social responsibility theory, according to the characteristics of village banks, from profitability, security, Four aspects of liquidity and rural financial services are set up, and the evaluation method and cluster analysis of BP network based on principal component analysis are adopted. Finally, the samples to be evaluated are divided into three groups, showing the difference of bank performance among villages and towns. Because of the availability of data, this paper takes Inner Mongolia Bank as the object of 31 village banks, and evaluates the performance of these 31 village banks. The evaluation results show that the time of establishment, the size of registration, the economic environment where the establishment is located and the degree of internal innovation are all the factors that affect the performance of the village and town banks. Finally, some policy suggestions are put forward to improve the performance of the village and town banks. Village and town banks should clearly define their own market positioning, base themselves on serving the county economy, serve the "three rural areas" unshakable, formulate strategic plans, make use of their geographical and popular advantages to carry out risk management and compete with other banks differently and innovatively. At the same time, improve the internal system for long-term planning.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
本文编号：2457569
[Abstract]:In order to improve the backwardness of financial services in rural financial areas, CBRC issued a policy to establish village banks. The purpose of the village and town bank is to base itself on the county level and serve the "three rural areas". Since 2007, the development of the village bank has lasted nearly seven years, and many problems have been exposed in this process. But also contributed to the financial development of rural areas can not be underestimated. In the past few years, village and town banks have been set up one after another throughout the country, so it is of great practical significance to establish a set of evaluation system to guide the development direction of village and town banks and to measure the development of village and town banks. On the basis of incomplete competition theory, stakeholder theory and corporate civil social responsibility theory, according to the characteristics of village banks, from profitability, security, Four aspects of liquidity and rural financial services are set up, and the evaluation method and cluster analysis of BP network based on principal component analysis are adopted. Finally, the samples to be evaluated are divided into three groups, showing the difference of bank performance among villages and towns. Because of the availability of data, this paper takes Inner Mongolia Bank as the object of 31 village banks, and evaluates the performance of these 31 village banks. The evaluation results show that the time of establishment, the size of registration, the economic environment where the establishment is located and the degree of internal innovation are all the factors that affect the performance of the village and town banks. Finally, some policy suggestions are put forward to improve the performance of the village and town banks. Village and town banks should clearly define their own market positioning, base themselves on serving the county economy, serve the "three rural areas" unshakable, formulate strategic plans, make use of their geographical and popular advantages to carry out risk management and compete with other banks differently and innovatively. At the same time, improve the internal system for long-term planning.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
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