【摘要】：2001年底，國(guó)家在江蘇省進(jìn)行農(nóng)村信用社改革試點(diǎn)，成立了三家農(nóng)村商業(yè)銀行，，此后，農(nóng)村商業(yè)銀行在全國(guó)各地紛紛成立。農(nóng)村商業(yè)銀行作為我國(guó)農(nóng)村金融體系中最核心重要的部分，他們的存在不僅極大的打破了我國(guó)銀行體系的高度壟斷格局，并且活躍和豐富了整個(gè)農(nóng)村金融市場(chǎng)。農(nóng)村商業(yè)銀行憑借其相對(duì)快速的市場(chǎng)反應(yīng)性，靈活的管理機(jī)制，在農(nóng)村金融市場(chǎng)上占得了一定的市場(chǎng)份額，為促進(jìn)我國(guó)農(nóng)村經(jīng)濟(jì)和金融的發(fā)展做出了不可替代的貢獻(xiàn)。隨著我國(guó)經(jīng)濟(jì)社會(huì)不斷發(fā)展和建設(shè)社會(huì)主義新農(nóng)村的步伐不斷加快，我國(guó)農(nóng)村居民的收入也在不斷增加，目前，我國(guó)大多數(shù)農(nóng)民已不再是單純的從事農(nóng)業(yè)生產(chǎn)，已經(jīng)基本向第二、第三產(chǎn)業(yè)轉(zhuǎn)移，農(nóng)村經(jīng)濟(jì)的快速發(fā)展使得農(nóng)業(yè)生產(chǎn)也越來(lái)越需要更多的金融支持，關(guān)注農(nóng)村市場(chǎng)的金融機(jī)構(gòu)也日益增多，也使得農(nóng)村金融市場(chǎng)的競(jìng)爭(zhēng)也越來(lái)越激烈，同時(shí)，金融的全球化也使得銀行間的競(jìng)爭(zhēng)日趨加劇，在此背景下，我國(guó)農(nóng)村商業(yè)銀行面臨著越來(lái)越大的競(jìng)爭(zhēng)壓力。那么，我國(guó)農(nóng)村商業(yè)銀行在金融市場(chǎng)上具有多大的競(jìng)爭(zhēng)實(shí)力，又該從哪些方面來(lái)提升自身競(jìng)爭(zhēng)力，在市場(chǎng)競(jìng)爭(zhēng)中立于不敗之地，這已經(jīng)成為一個(gè)非常緊迫的問(wèn)題。 本文首先根據(jù)企業(yè)競(jìng)爭(zhēng)力和商業(yè)銀行競(jìng)爭(zhēng)力的相關(guān)理論，并且在借鑒世界銀行農(nóng)村金融機(jī)構(gòu)業(yè)績(jī)?cè)u(píng)價(jià)指標(biāo)的基礎(chǔ)上，結(jié)合我國(guó)農(nóng)村商業(yè)銀行的發(fā)展現(xiàn)狀，從定性和定量的角度建立了我國(guó)農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系，為文章后續(xù)的實(shí)證研究提供了實(shí)踐支持。然后，在農(nóng)商銀行競(jìng)爭(zhēng)力評(píng)價(jià)指標(biāo)體系的基礎(chǔ)上運(yùn)用因子分析法對(duì)我國(guó)15家農(nóng)商銀行競(jìng)爭(zhēng)力做出實(shí)證研究，找到銀行規(guī)模和創(chuàng)新能力、盈利性及產(chǎn)權(quán)治理結(jié)構(gòu)、安全性、流動(dòng)性和市場(chǎng)滲透能力是影響農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力的主要因素，同時(shí)給出這些農(nóng)商銀行競(jìng)爭(zhēng)力的綜合排名。其次，在因子分析的基礎(chǔ)上運(yùn)用聚類分析法對(duì)這些農(nóng)商銀行進(jìn)行分類，探索各類別具有的特征。最后，根據(jù)相關(guān)理論和實(shí)證研究結(jié)果，指出農(nóng)村商業(yè)銀行可以從金融創(chuàng)新、規(guī)模經(jīng)濟(jì)、控制信貸風(fēng)險(xiǎn)、優(yōu)化股權(quán)結(jié)構(gòu)等出發(fā)提高自身競(jìng)爭(zhēng)力，為我國(guó)農(nóng)村商業(yè)銀行的持續(xù)發(fā)展、提高競(jìng)爭(zhēng)力提供參考。
[Abstract]:At the end of 2001, the country carried on the rural credit cooperative reform pilot project in Jiangsu Province, established three rural commercial banks, since then, the rural commercial banks have been set up all over the country one after another. Rural commercial banks as the most important part of the rural financial system, their existence not only greatly broke the high monopoly of our banking system, but also active and enriched the entire rural financial market. With their relatively rapid market reactivity and flexible management mechanism, rural commercial banks have gained a certain market share in the rural financial market, and have made irreplaceable contributions to promoting the development of rural economy and finance in China. With the continuous development of our country's economy and society and the accelerating pace of building a new socialist countryside, the income of rural residents in our country is also increasing. At present, most farmers in our country are no longer engaged in agricultural production only. With the rapid development of the rural economy, more and more financial support is needed for agricultural production, and the number of financial institutions paying attention to the rural market is increasing day by day. It also makes the competition of rural financial market more and more fierce. At the same time, the globalization of finance also makes the competition between banks become more and more serious. Under this background, the rural commercial banks of our country are facing more and more competitive pressure. In that case, it has become a very urgent problem for the rural commercial banks of our country how to compete in the financial market, and from which aspects to improve their own competitiveness and stay in an invincible position in the market competition. Based on the theories of enterprise competitiveness and commercial bank competitiveness, and on the basis of the performance evaluation index of the rural financial institutions of the World Bank, this paper combines the development status of rural commercial banks in China. The evaluation index system of the competitiveness of rural commercial banks in China is established from the qualitative and quantitative points of view, which provides practical support for the subsequent empirical research. Then, based on the evaluation index system of agri-commercial bank's competitiveness, the paper makes an empirical study on the competitiveness of 15 agricultural and commercial banks in China by using factor analysis method, and finds out the scale and innovation ability of banks, profitability, property right governance structure and security. Liquidity and market penetration are the main factors that affect the competitiveness of rural commercial banks. At the same time, the comprehensive ranking of the competitiveness of these rural commercial banks is given. Secondly, on the basis of factor analysis, cluster analysis is used to classify these agricultural banks and explore the characteristics of each category. Finally, according to the relevant theory and empirical research results, the paper points out that rural commercial banks can improve their competitiveness from financial innovation, scale economy, credit risk control, equity structure optimization and so on, for the sustainable development of rural commercial banks in China. To improve the competitiveness of the reference.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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