江西省農(nóng)村信用社經(jīng)營績效研究
發(fā)布時間：2019-06-13 17:22
【摘要】：農(nóng)村信用社作為我國農(nóng)村最為重要的資本要素配置機構(gòu)，是我國金融機構(gòu)的重要組成部分，其改革與發(fā)展主宰著我國農(nóng)村金融的命脈，對支持“三農(nóng)”服務(wù)和縣域經(jīng)濟發(fā)展壯大發(fā)揮著“主引擎”的作用，我國農(nóng)村信用社的發(fā)展與改革始終是社會各界的關(guān)注焦點。 2004年至2012年，江西省農(nóng)村信用社存款余額從500億元增長至3500億元，貸款余額從300億元增長至2000多億元，9年之間存貸款規(guī)模增長了6倍多，業(yè)務(wù)發(fā)展水平明顯高于江西省內(nèi)其他金融機構(gòu)，高于中國農(nóng)村信用社的平均發(fā)展水平，，業(yè)務(wù)規(guī)模已從全省第四位躍居第一位。江西省農(nóng)村信用社現(xiàn)已發(fā)展成為江西省金融機構(gòu)網(wǎng)點最多、客戶資源最廣、業(yè)務(wù)發(fā)展規(guī)模最大的地方金融機構(gòu)。作為服務(wù)縣域經(jīng)濟的主力金融機構(gòu)，江西省農(nóng)村信用社已成為落實國家支農(nóng)政策和省委、省政府發(fā)展戰(zhàn)略最重要的載體。 農(nóng)村信用社因農(nóng)村地區(qū)市場份額占有率高和營業(yè)網(wǎng)點覆蓋面廣的優(yōu)勢，使其發(fā)展具有一定的壟斷性質(zhì)，為其盈利提供了強有利的支撐，這些是其他金融機構(gòu)無法比擬的。然而，多年來農(nóng)村信用社發(fā)展歷程極其曲折，經(jīng)歷了多次體制改革，至今仍存在產(chǎn)權(quán)制度不明晰，法人治理結(jié)構(gòu)不完善，管理責(zé)任落實不到位等問題，極大地限制了農(nóng)村信用社的持續(xù)經(jīng)營發(fā)展能力，更影響了我國新農(nóng)村建設(shè)的步伐。 本文運用Yaron績效評估框架體系，選取農(nóng)民收入、農(nóng)業(yè)貸款、農(nóng)村信用社存貸款規(guī)模、資產(chǎn)總額和其他財務(wù)指標等，對我省農(nóng)村信用社的經(jīng)營績效進行實證研究，得出研究結(jié)論：（1）在增加農(nóng)民收入和減少貧困方面：農(nóng)村信用社對“三農(nóng)”的支持越來越大，農(nóng)民的收入也越來越高，所以說農(nóng)民收入的增大的很大一部分是由農(nóng)業(yè)貸款拉動的；（2）在目標客戶覆蓋面方面：江西省農(nóng)村信用社的各項業(yè)務(wù)指標都出現(xiàn)了跨越式的發(fā)展，如資產(chǎn)規(guī)模、存貸規(guī)模、貸款品種以及農(nóng)業(yè)貸款等，毫不夸張的說我省農(nóng)村信用社的發(fā)展已經(jīng)進入了高速發(fā)展的時期，因地制宜、因時制宜的推出了很多專門為“三農(nóng)”服務(wù)的金融產(chǎn)品和服務(wù)模式，另外通過涉農(nóng)貸款規(guī)模逐年增加，表現(xiàn)出江西省農(nóng)村信用社在農(nóng)村經(jīng)濟組織和農(nóng)村工商企業(yè)的貸款支持力度上得到明顯的強化；（3）可持續(xù)性發(fā)展能力方面：雖然江西省農(nóng)村信用社取得這樣的成績跟政府的政策支持和人民銀行的專項支持有很大的關(guān)系，并且目前還實現(xiàn)不了不依賴補貼的完全可持續(xù)性，但可持續(xù)性也逐年改善，并且各項風(fēng)險指標狀況持續(xù)好轉(zhuǎn)，業(yè)務(wù)指標跨越不斷刷新。江西省農(nóng)村信用社的改革取得了初步成功，即提高農(nóng)民收入、目標客戶覆蓋面和可持續(xù)發(fā)展能力上都有了很大的改善，并且支持“三農(nóng)”的作用也愈加突出。最后根據(jù)本文的研究結(jié)論提出相應(yīng)影響農(nóng)村信用社經(jīng)營發(fā)展的問題，并提出相應(yīng)的對策和建議。
[Abstract]:As the most important allocation organization of capital elements in rural areas of our country, rural credit cooperatives are an important part of financial institutions in our country. Its reform and development dominate the lifeblood of rural finance in our country, and play the role of "main engine" in supporting the service of "agriculture, countryside and farmers" and the development and growth of county economy. The development and reform of rural credit cooperatives in our country have always been the focus of attention of all sectors of society. From 2004 to 2012, the deposit balance of rural credit cooperatives in Jiangxi Province increased from 50 billion yuan to 350 billion yuan, and the loan balance increased from 30 billion yuan to more than 200 billion yuan. In the past nine years, the scale of deposit and loan has increased more than 6 times. The level of business development is obviously higher than that of other financial institutions in Jiangxi Province, and is higher than the average development level of China's rural credit cooperatives. Jiangxi Rural Credit Cooperative has developed into the local financial institution with the largest number of financial institutions, the widest customer resources and the largest business development scale. As the main financial institution to serve the county economy, Jiangxi Rural Credit Cooperative has become the most important carrier to implement the national policy of supporting agriculture and the development strategy of the provincial party committee and the provincial government. Because of the advantages of high market share and wide coverage of business outlets in rural areas, rural credit cooperatives have a certain monopoly nature and provide strong and favorable support for their profits, which are incomparable to other financial institutions. However, the development process of rural credit cooperatives has been extremely tortuous over the years, and has experienced many institutional reforms. Up to now, there are still some problems, such as unclear property rights system, imperfect corporate governance structure, inadequate implementation of management responsibility, which greatly limits the sustainable management and development ability of rural credit cooperatives, and also affects the pace of new rural construction in China. This paper uses Yaron performance evaluation framework system, selects farmers' income, agricultural loans, rural credit cooperatives deposit and loan scale, total assets and other financial indicators to make an empirical study on the operating performance of rural credit cooperatives in our province, and draws the following conclusions: (1) in increasing farmers' income and reducing poverty: rural credit cooperatives support "agriculture, countryside and farmers" more and more, and farmers' income is also higher and higher. Therefore, a large part of the increase in farmers' income is driven by agricultural loans; (2) in terms of target customer coverage: various business indicators of rural credit cooperatives in Jiangxi Province have developed by leaps and bounds, such as asset scale, deposit and loan scale, loan varieties and agricultural loans, etc. It is no exaggeration to say that the development of rural credit cooperatives in our province has entered a period of rapid development. In addition, the scale of agricultural loans is increasing year by year, which shows that the rural credit cooperatives in Jiangxi Province have been obviously strengthened in the loan support of rural economic organizations and rural industrial and commercial enterprises. (3) the ability of sustainable development: although the achievements of rural credit cooperatives in Jiangxi Province are closely related to the policy support of the government and the special support of the people's Bank of China, and at present, they can not achieve the complete sustainability without relying on subsidies, but the sustainability has also improved year by year, and the situation of various risk indicators has continued to improve, and the business indicators have been constantly updated. The reform of rural credit cooperatives in Jiangxi Province has achieved initial success, that is, the improvement of farmers' income, the coverage of target customers and the ability of sustainable development have been greatly improved, and the role of supporting "agriculture, rural areas and farmers" has become more and more prominent. Finally, according to the research conclusions of this paper, this paper puts forward the corresponding problems that affect the management and development of rural credit cooperatives, and puts forward the corresponding countermeasures and suggestions.
【學(xué)位授予單位】：江西農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35
本文編號：2498684
[Abstract]:As the most important allocation organization of capital elements in rural areas of our country, rural credit cooperatives are an important part of financial institutions in our country. Its reform and development dominate the lifeblood of rural finance in our country, and play the role of "main engine" in supporting the service of "agriculture, countryside and farmers" and the development and growth of county economy. The development and reform of rural credit cooperatives in our country have always been the focus of attention of all sectors of society. From 2004 to 2012, the deposit balance of rural credit cooperatives in Jiangxi Province increased from 50 billion yuan to 350 billion yuan, and the loan balance increased from 30 billion yuan to more than 200 billion yuan. In the past nine years, the scale of deposit and loan has increased more than 6 times. The level of business development is obviously higher than that of other financial institutions in Jiangxi Province, and is higher than the average development level of China's rural credit cooperatives. Jiangxi Rural Credit Cooperative has developed into the local financial institution with the largest number of financial institutions, the widest customer resources and the largest business development scale. As the main financial institution to serve the county economy, Jiangxi Rural Credit Cooperative has become the most important carrier to implement the national policy of supporting agriculture and the development strategy of the provincial party committee and the provincial government. Because of the advantages of high market share and wide coverage of business outlets in rural areas, rural credit cooperatives have a certain monopoly nature and provide strong and favorable support for their profits, which are incomparable to other financial institutions. However, the development process of rural credit cooperatives has been extremely tortuous over the years, and has experienced many institutional reforms. Up to now, there are still some problems, such as unclear property rights system, imperfect corporate governance structure, inadequate implementation of management responsibility, which greatly limits the sustainable management and development ability of rural credit cooperatives, and also affects the pace of new rural construction in China. This paper uses Yaron performance evaluation framework system, selects farmers' income, agricultural loans, rural credit cooperatives deposit and loan scale, total assets and other financial indicators to make an empirical study on the operating performance of rural credit cooperatives in our province, and draws the following conclusions: (1) in increasing farmers' income and reducing poverty: rural credit cooperatives support "agriculture, countryside and farmers" more and more, and farmers' income is also higher and higher. Therefore, a large part of the increase in farmers' income is driven by agricultural loans; (2) in terms of target customer coverage: various business indicators of rural credit cooperatives in Jiangxi Province have developed by leaps and bounds, such as asset scale, deposit and loan scale, loan varieties and agricultural loans, etc. It is no exaggeration to say that the development of rural credit cooperatives in our province has entered a period of rapid development. In addition, the scale of agricultural loans is increasing year by year, which shows that the rural credit cooperatives in Jiangxi Province have been obviously strengthened in the loan support of rural economic organizations and rural industrial and commercial enterprises. (3) the ability of sustainable development: although the achievements of rural credit cooperatives in Jiangxi Province are closely related to the policy support of the government and the special support of the people's Bank of China, and at present, they can not achieve the complete sustainability without relying on subsidies, but the sustainability has also improved year by year, and the situation of various risk indicators has continued to improve, and the business indicators have been constantly updated. The reform of rural credit cooperatives in Jiangxi Province has achieved initial success, that is, the improvement of farmers' income, the coverage of target customers and the ability of sustainable development have been greatly improved, and the role of supporting "agriculture, rural areas and farmers" has become more and more prominent. Finally, according to the research conclusions of this paper, this paper puts forward the corresponding problems that affect the management and development of rural credit cooperatives, and puts forward the corresponding countermeasures and suggestions.
【學(xué)位授予單位】：江西農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35
【引證文獻】
相關(guān)碩士學(xué)位論文 前1條
1 劉天琦;潁東農(nóng)村商業(yè)銀行改制效果研究[D];安徽大學(xué);2014年
本文編號：2498684
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