【摘要】：我國(guó)村鎮(zhèn)銀行是新型農(nóng)村金融機(jī)構(gòu)的重要組成部分,承載著豐富農(nóng)村金融市場(chǎng)、服務(wù)農(nóng)村經(jīng)濟(jì)的重要使命,是今后要重點(diǎn)發(fā)展的新型農(nóng)村金融機(jī)構(gòu)。村鎮(zhèn)銀行是否能夠持續(xù)發(fā)展關(guān)系到新型農(nóng)村金融機(jī)構(gòu)的工作安排是否能夠順利進(jìn)行,關(guān)系到多元化農(nóng)村金融體系的構(gòu)建,關(guān)系到農(nóng)村金融改革的順利推進(jìn)。因此,對(duì)我國(guó)村鎮(zhèn)銀行盈利能力這一課題進(jìn)行研究無(wú)疑具有重要的理論和現(xiàn)實(shí)意義。 在建設(shè)具有中國(guó)特色的社會(huì)主義社會(huì)過(guò)程中,“三農(nóng)”問(wèn)題始終是我黨和政府高度重視并著重解決的問(wèn)題。隨著農(nóng)村經(jīng)濟(jì)的發(fā)展,當(dāng)前農(nóng)村金融需求正經(jīng)歷著多樣化的轉(zhuǎn)變,而與此相對(duì)應(yīng)的農(nóng)村金融供給卻明顯滯后于這一變化。金融服務(wù)多年來(lái)一直是我國(guó)農(nóng)村社會(huì)化服務(wù)體系中的薄弱環(huán)節(jié),已經(jīng)成為制約農(nóng)村經(jīng)濟(jì)發(fā)展的一個(gè)“瓶頸”。村鎮(zhèn)銀行的設(shè)立為農(nóng)村金融體系帶來(lái)了更多的活力,有助于解決農(nóng)村金融供給不足的問(wèn)題。然而目前設(shè)立的村鎮(zhèn)銀行本身存在著盈利規(guī)模較小、公信力不足、網(wǎng)點(diǎn)較少等問(wèn)題,如何提高村鎮(zhèn)銀行的盈利能力和經(jīng)營(yíng)效率是切實(shí)提高農(nóng)村金融服務(wù)的有效途徑。 文章通過(guò)對(duì)村鎮(zhèn)銀行定義的分析,得出了村鎮(zhèn)銀行的特征：我國(guó)村鎮(zhèn)銀行的實(shí)質(zhì)是農(nóng)村社區(qū)銀行。根據(jù)村鎮(zhèn)銀行的這一實(shí)質(zhì),文章闡述了全文需要應(yīng)用到的相關(guān)金融理論知識(shí)。 文章從我國(guó)村鎮(zhèn)銀行設(shè)立的背景分析入手,闡述了五年來(lái)我國(guó)村鎮(zhèn)銀行經(jīng)營(yíng)和發(fā)展的總體現(xiàn)狀,肯定了這五年來(lái)村鎮(zhèn)銀行在規(guī)模上、盈利水平上以及創(chuàng)新舉措上取得的顯著成績(jī)。同時(shí)本文在分析了村鎮(zhèn)銀行盈利能力方面存在的不足的基礎(chǔ)上,重點(diǎn)總結(jié)了村鎮(zhèn)銀行盈利能力的內(nèi)、外部影響因素。 文章的主要?jiǎng)?chuàng)新點(diǎn)和研究成果是以四川儀隴惠民村鎮(zhèn)銀行、民生銀行村鎮(zhèn)銀行和建設(shè)銀行村鎮(zhèn)銀行三家銀行2009年-2011年的財(cái)務(wù)數(shù)據(jù)為研究樣本,利用多元線性回歸方法對(duì)我國(guó)村鎮(zhèn)銀行盈利能力的影響因素進(jìn)行實(shí)證研究。 根據(jù)前文對(duì)村鎮(zhèn)銀行盈利能力的透徹分析,文章最后從村鎮(zhèn)銀行內(nèi)部增強(qiáng)自身實(shí)力和外部改善經(jīng)營(yíng)環(huán)境兩個(gè)大的方面入手,提出了自己的一點(diǎn)意見(jiàn)和建議。
[Abstract]:The village and town bank of our country is an important part of the new rural financial institution, which carries the important mission of enriching the rural financial market and serving the rural economy, and is a new type of rural financial institution to be developed with emphasis in the future. The sustainable development of the village bank is related to the smooth arrangement of the new rural financial institutions, the construction of the diversified rural financial system, and the smooth advancement of the rural financial reform. Therefore, it is of great theoretical and practical significance to study the profitability of village banks in China. In the process of building a socialist society with Chinese characteristics, the problem of "agriculture, countryside and farmers" has always been a problem that our party and government attach great importance to and focus on solving. With the development of rural economy, the current rural financial demand is undergoing a variety of changes, but the corresponding rural financial supply lags behind this change. Financial service has been a weak link in the rural socialized service system of our country for many years, and has become a "bottleneck" restricting the development of rural economy. The establishment of the village bank brings more vitality to the rural financial system and helps to solve the problem of the shortage of rural financial supply. However, the village banks set up at present have some problems, such as small profit scale, lack of credibility, less network, and so on. How to improve the profitability and management efficiency of the village banks is an effective way to improve the rural financial services. Through the analysis of the definition of village and town bank, this paper draws the characteristic of village bank: the essence of village bank in China is rural community bank. According to the essence of the village bank, this paper expounds the relevant financial theoretical knowledge that the paper needs to be applied to. Starting from the background analysis of the establishment of the village and town banks in China, this paper expounds the general situation of the operation and development of the village banks in China in the past five years, and affirms the size of the villages and towns banks in the past five years. Significant gains in profitability and innovation initiatives. At the same time, on the basis of analyzing the deficiency of the village bank's profitability, this paper summarizes the internal and external influencing factors of the village bank's profitability. The main innovations and research results of this paper are based on the financial data of Sichuan Yilong Huimin Village Bank, Minsheng Bank and Construction Bank from 2009 to 2011. This paper makes an empirical study on the influencing factors of the profitability of village banks in China by using multiple linear regression method. According to the thorough analysis of the profitability of the village bank, the paper puts forward some opinions and suggestions from the two aspects of strengthening the inner strength of the village bank and improving the operating environment outside the village bank at the end of the paper.
【學(xué)位授予單位】：哈爾濱商業(yè)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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