發(fā)布時(shí)間：2017-12-30 19:20

  本文關(guān)鍵詞：我國(guó)農(nóng)村商業(yè)銀行與農(nóng)村合作銀行的盈利能力研究　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村商業(yè)銀行 農(nóng)村合作銀行 盈利能力 資產(chǎn) 資本充足率 不良貸款率 股權(quán)結(jié)構(gòu)

【摘要】：隨著我國(guó)經(jīng)濟(jì)的不斷發(fā)展,城鄉(xiāng)經(jīng)濟(jì)的差距已經(jīng)越來越大,若想縮小城鄉(xiāng)貧富差距、減小人民內(nèi)部矛盾,就要發(fā)展農(nóng)村經(jīng)濟(jì),支持農(nóng)村建設(shè),這就需要資金的大力支持。另一方面,我國(guó)經(jīng)濟(jì)發(fā)達(dá)的地區(qū),農(nóng)業(yè)占比逐年下降,農(nóng)戶和農(nóng)業(yè)需要的資金支持減少,為他們提供金融支持和服務(wù)的農(nóng)村信用社存在資源浪費(fèi)的現(xiàn)象。并且,它龐大的組織體系,落后的制度和基礎(chǔ)設(shè)施使它的發(fā)展跟不上經(jīng)濟(jì)發(fā)展的需求。近些年,農(nóng)村信用社機(jī)構(gòu)體系正在通過改革,尋求以新的方式更好地服務(wù)于農(nóng)民和農(nóng)業(yè)。 2003年,中央政府下達(dá)農(nóng)村信用社改革的文件。文件指出,改革后的組織形式有兩種,即農(nóng)村商業(yè)銀行和農(nóng)村合作銀行。達(dá)到改革條件的各農(nóng)村信用社根據(jù)具體情況選擇改革模式。 銀行以安全性、流動(dòng)性和盈利性為經(jīng)營(yíng)原則,所以要對(duì)銀行的盈利能力加強(qiáng)關(guān)注,而不僅僅關(guān)注資本充足率、資產(chǎn)質(zhì)量等問題。盈利能力強(qiáng)才能甩脫歷史沉重的包袱,促進(jìn)自身的可持續(xù)發(fā)展,對(duì)農(nóng)村經(jīng)濟(jì)的發(fā)展也起到促進(jìn)作用。筆者希望通過對(duì)農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的現(xiàn)狀分析和盈利能力分析,提出目前存在的問題和相應(yīng)對(duì)策,對(duì)農(nóng)村金融機(jī)構(gòu)的改革、農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的發(fā)展提供參考和借鑒。 研究方法為理論和實(shí)踐相結(jié)合,關(guān)于農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的發(fā)展、公司盈利能力研究的理論很多,通過學(xué)習(xí)這些理論,再運(yùn)用實(shí)踐的分析方法加以具體分析。我國(guó)農(nóng)村商業(yè)銀行與農(nóng)村合作銀行兩種模式的闡述和影響農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的盈利能力因素的理論分析要用規(guī)范分析法。文章討論了農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的發(fā)展現(xiàn)狀、某些因素如何影響農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的盈利能力,這部分使用了比較分析和實(shí)證分析的方法。對(duì)數(shù)據(jù)的分析,采用了定性分析和定量分析相結(jié)合的手法。 本文的結(jié)構(gòu)有以下六個(gè)部分： 第一部分是導(dǎo)論。介紹了筆者選擇研究這個(gè)題目的原因,本文的結(jié)構(gòu)、研究采取的方法、創(chuàng)新和不足。 第二部分是我國(guó)農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的概述。對(duì)農(nóng)商行和農(nóng)合行成立的背景和這兩種模式的特點(diǎn)進(jìn)行介紹。 第三部分是我國(guó)農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的發(fā)展現(xiàn)狀。通過46家農(nóng)村商業(yè)銀行和農(nóng)村合作銀行2004—2009年的170組的樣本數(shù)據(jù),對(duì)他們的資產(chǎn)規(guī)模、盈利能力、風(fēng)險(xiǎn)情況、股權(quán)結(jié)構(gòu)和公司治理的現(xiàn)狀進(jìn)行描述和概括,以及和農(nóng)業(yè)銀行、工商銀行、建設(shè)銀行對(duì)應(yīng)數(shù)據(jù)做比較,得出發(fā)展現(xiàn)狀。 第四部分是討論資產(chǎn)規(guī)模、風(fēng)險(xiǎn)、股權(quán)結(jié)構(gòu)、當(dāng)?shù)睾暧^經(jīng)濟(jì)如何影響農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的盈利能力,并用EXCEL進(jìn)行回歸分析。 第五部分分析農(nóng)村商業(yè)銀行和農(nóng)村合作銀行目前存在一些問題,如風(fēng)險(xiǎn)管理有待加強(qiáng)、公司治理結(jié)構(gòu)不完善、吸收存款能力較弱,政策意圖與商業(yè)目的相矛盾。 第六部提出發(fā)展建議,如加強(qiáng)銀行的風(fēng)險(xiǎn)管理體系的建設(shè),優(yōu)化股權(quán)結(jié)構(gòu),發(fā)揮“三會(huì)”的實(shí)際作用,通過提供差異化服務(wù)、優(yōu)化服務(wù)流程來提高銀行自身的競(jìng)爭(zhēng)力,豐富資金來源。從政府的角度,應(yīng)該給予為農(nóng)業(yè)提供貸款的項(xiàng)目和銀行一定的支持,才能引導(dǎo)更多的資金支持“三農(nóng)”,提高農(nóng)民的收入,促進(jìn)農(nóng)業(yè)的發(fā)展。 本文可能的創(chuàng)新之處在于：第一,有數(shù)據(jù)樣本作為分析的基礎(chǔ)。農(nóng)村商業(yè)銀行和農(nóng)村合作銀行上市公開信息的很少,本文搜集的46家農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的數(shù)據(jù)十分不易,2004年—2009年內(nèi)共170組數(shù)據(jù),每一組包含了85個(gè)數(shù)據(jù)項(xiàng),經(jīng)過整理、加工,用于本論文的共有63個(gè)數(shù)據(jù)項(xiàng)。第二,關(guān)于國(guó)有商業(yè)銀行和城市商業(yè)銀行盈利能力研究的相關(guān)文獻(xiàn)較多,而關(guān)于農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的盈利能力研究相關(guān)文獻(xiàn)就很少。第三,根據(jù)對(duì)數(shù)據(jù)的分析得出的結(jié)論,歸納出來的問題比較具有現(xiàn)實(shí)意義,提出進(jìn)一步完善與發(fā)展農(nóng)村商業(yè)銀行和農(nóng)村合作銀行的政策建議,也為農(nóng)村金融體系的發(fā)展提供一些經(jīng)驗(yàn)和借鑒。 本文的不足之處是：第一,數(shù)據(jù)不夠完整。本文的分析需要獲取大量的數(shù)據(jù),涉及到46家農(nóng)村商業(yè)銀行和農(nóng)村合作銀行,2004年—2009年內(nèi)的85項(xiàng)具體數(shù)據(jù),這些規(guī)模小的銀行在信息披露方面的工作確實(shí)做得不足,所以搜集得也不完整,這給研究分析也帶來了很多不便,只能較籠統(tǒng)地分析總結(jié)。第二,理論與實(shí)證的基礎(chǔ)知識(shí)和研究能力不足,所以因素分析的研究很不太嚴(yán)謹(jǐn)。其他各方面分析也還不夠深入,有待進(jìn)一步學(xué)習(xí)和提高。
[Abstract]:With the continuous development of China's economy, the gap between urban and rural economic is more and more big, to narrow the urban-rural gap, reduce the contradictions among the people, to support the development of the rural economy, rural construction, it needs financial support. On the other hand, the economically developed areas in China, agriculture accounted for decreased year by year, farmers the funds needed to support agriculture and reduce, provide financial support and services for their rural credit cooperatives are a waste of resources. Also, its large organization system, system and infrastructure to make it to keep up with the development of the demand of economic development. In recent years, institutional system of rural credit cooperatives is through reform, to seek new ways to better serve farmers and agriculture.
In 2003, the central government issued a document on the reform of rural credit cooperatives. The document pointed out that there are two kinds of organizational forms after reform. They are rural commercial banks and rural cooperative banks. The rural credit cooperatives that meet the reform conditions choose the reform mode according to specific circumstances.
Banks to safety, liquidity and profitability as the operating principle, so we should pay more attention to the profitability of banks, not only pay attention to the capital adequacy ratio, asset quality and other issues. Strong profitability to shake off the heavy historical burden, promote its sustainable development, the development of the rural economy has also played a role in promoting the author. Hope that through the analysis of the status quo analysis and profitability of rural commercial banks and rural cooperative banks, put forward existing problems and corresponding countermeasures, the reform of rural financial institutions, and to provide reference for the development of rural commercial banks and rural cooperative banks.
The research method of combining theory and practice, the development of rural commercial banks and rural cooperative banks on the profitability of the company, many theories, through the study of these theories, using the analysis method of practice in detail. The rural commercial bank and rural cooperative bank two modes of exposition and affect profitability factors in rural areas commercial banks and rural cooperative banks the theoretical analysis to the analysis specification. This paper discusses the development status of rural commercial banks and rural cooperative banks, some factors to influence the rural commercial banks and rural cooperative banks' profitability, this part uses the method of comparative analysis and empirical analysis. The analysis of the data, using the the combination of qualitative and quantitative analysis methods.
The structure of this article has the following six parts:
The first part is the introduction. It introduces the reasons for the author's choice to study the subject, the structure of this article, the methods to be taken, the innovation and the deficiency.
The second part is an overview of the rural commercial banks and rural cooperative banks in China. The background of the establishment of agricultural commercial banks and agricultural cooperation banks and the characteristics of the two models are introduced.
The third part is the current development of China's rural commercial banks and rural cooperative banks. Through the 170 groups of sample data of 46 rural commercial banks and rural cooperative banks from 2004 to 2009, the size of their assets, profitability, risk, described and summarized the status quo of ownership structure and corporate governance, and the Agricultural Bank Industrial and commercial bank, construction bank, compared with the corresponding data, the development of the status quo.
The fourth part discusses asset size, risk, ownership structure, and how the local macro economy affects the profitability of rural commercial banks and rural cooperative banks, and makes regression analysis with EXCEL.
The fifth part analyzes the existing problems of rural commercial banks and rural cooperative banks, such as risk management needs to be strengthened, corporate governance structure is not perfect, the ability to absorb deposits is weak, and policy intentions are inconsistent with commercial purposes.
The sixth part put forward some suggestions, such as strengthening the construction of the bank's risk management system, optimize the ownership structure, play a practical role in three ", by providing differentiated services, optimize service processes to improve the competitiveness of the banks themselves, rich sources of funds. From the government angle, should be given to provide loans for agricultural projects and the bank will support, to guide more funds to support the" three rural ", improve the income of farmers, promote the development of agriculture.
The innovation of this article lies in: first, the data sample as the basis for analysis. Few public information listed rural commercial banks and rural cooperative banks, this paper collected 46 rural commercial banks and rural cooperative banks data is not easy, from 2004 to 2009 a total of 170 sets of data, each group contains 85 the data, after finishing processing, this paper, for a total of 63 data items. Second literatures on the study of state owned commercial bank and city commercial bank profitability, and the related literatures about the profitability of the rural commercial banks and rural cooperative banks is very few. Third, according to the analysis of the data obtained conclusion, comparison of the problems summarized has practical significance, put forward further improvement and development of rural commercial banks and rural cooperative banks policy suggestions for rural financial system. The exhibition provides some experience and reference.
The inadequacies of this article are: first, the data is not complete. This paper analysis needs to obtain large amounts of data, involving 46 rural commercial banks and rural cooperative banks, 85 specific data from 2004 to 2009, these small banks in terms of information disclosure work is really insufficient, so the collection was not this study is complete, to bring a lot of inconvenience, but is generally analyzed. Second, the basic knowledge of theoretical and empirical research and lack of capacity, so the research on factor analysis is not too strict. Analysis of other aspects have also not deep enough, need further study and improve.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 馬馳;徐如濃;;從合作金融走向社區(qū)銀行——基于杭州聯(lián)合銀行個(gè)案分析的農(nóng)村合作銀行發(fā)展的思考[J];特區(qū)經(jīng)濟(jì);2006年11期

，

本文編號(hào)：1356125