基于DEA模型对我国农村商业银行竞争力的研究

发布时间：2018-07-03 17:41

本文选题：农村商业银行 + 技术效率　；参考：《山东大学》2016年硕士论文

【摘要】：随着经济的发展,我国经济发生了巨大的变化,农村商业银行正是顺应时代发展的潮流,是对原来的农村信用社进行改革的产物。农村商业银行服务于广大的农村地区,为广大的农村地区服务,是农村地区发展不可或缺的重要力量。随着经济的发展,时代的进步,农村信用社顺应时代潮流进行了改革,改制为农村商业银行,改制后的农村商业银行发展更加稳定,更能顺应时代发展的潮流,但是农村商业银行依然面临着以前农村信用社所具有的特点,业务单一、经营管理较传统落后等特点,这些特点使得农村商业银行在激烈的市场竞争环境下面临着巨大的危机。本文主要有两种分析研究方法吗,一种是比较分析,一种是实证分析研究：本文首先运用DEA方法对农村商业银行、四大国有银行、股份制银行的技术效率进行测算,并以四大行和股份制银行为基准进行了比较分析,发现农村商业银行的技术效率均低于股份制银行和四大国有银行,而在规模效用方面农村商业银行居于中间位置。造成这种局面的原因本文分析认为主要有以下几种情况：第一,农村商业银行由农村信用社改制而来,遗留了原来农村信用社的老体制,服务于广大的农村地区,因而具有规模大,辐射范围大的特点,因而具有一定的规模效率；第二,农商银行同时也继承了农村信用社的业务单一,组织机构庞大,缺乏创造力的特点,造成了技术效率低下,从而导致农村商业银行缺乏竞争力。接着,本文利用回归分析的方法进行研究,从内外部双层因素进行了全面分析考虑,对影响农村商业银行竞争力的内部因素和外部因素进行了回归分析,分析发现,资产规模、自有资产率、不良贷款率和营业费用率对农村商业银行竞争力有负作用,而存贷比和非利息收入对农村商业银行的竞争力有正的推动作用,而代表外部效应的控制变量GDP则对农村商业银行的影响力不显著。
[Abstract]:With the development of economy, great changes have taken place in the economy of our country. The rural commercial banks are just the product of the reform of the original rural credit cooperatives in accordance with the trend of the development of the times. Rural commercial banks serve the vast rural areas and serve the vast rural areas, which is an indispensable and important force for the development of rural areas. With the development of the economy and the progress of the times, the rural credit cooperatives have carried on the reform in accordance with the trend of the times. The rural commercial banks have been transformed into rural commercial banks. The development of the rural commercial banks after the reform has become more stable and more able to conform to the trend of the development of the times. However, the rural commercial banks still face the characteristics of the former rural credit cooperatives, such as single business, backward management and so on. These characteristics make the rural commercial banks face a huge crisis in the fierce market competition environment. In this paper, there are mainly two methods of analysis and research, one is comparative analysis, the other is empirical analysis. Firstly, this paper uses DEA method to measure the technical efficiency of rural commercial banks, four state-owned banks and joint-stock banks. Based on the comparison between the four banks and the joint-stock banks, it is found that the technical efficiency of the rural commercial banks is lower than that of the joint-stock banks and the four state-owned banks, while the rural commercial banks are in the middle position in terms of scale utility. The reasons for this situation are as follows: first, the rural commercial banks have been reformed from the rural credit cooperatives, leaving behind the old system of the rural credit cooperatives and serving the vast rural areas. As a result, it has the characteristics of large scale and large range of radiation, so it has certain scale efficiency. Secondly, the Agricultural and Commercial Bank also inherits the characteristics of rural credit cooperatives, such as single business, huge organization and lack of creativity. As a result, the technical efficiency is low, thus leading to the lack of competitiveness of rural commercial banks. Then, this article uses the regression analysis method to carry on the research, has carried on the comprehensive analysis from the internal and external double layer factor, has carried on the regression analysis to the influence countryside commercial bank competitive ability internal factor and the external factor, has found, the asset scale, The ratio of self-owned assets, non-performing loans and operating expenses has a negative effect on the competitiveness of rural commercial banks, while the ratio of deposit to loan and non-interest income have a positive effect on the competitiveness of rural commercial banks. GDP, the controlling variable representing external effects, has little influence on rural commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F271;F832.35

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