本文關(guān)鍵詞：江蘇泗洪農(nóng)村商業(yè)銀行運(yùn)行效率及其影響因素研究　出處：《南京農(nóng)業(yè)大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村商業(yè)銀行 綜合效率 技術(shù)效率 技術(shù)進(jìn)步 影響因素

【摘要】：改革的目的是為了提高效率,而效率則代表了在現(xiàn)有的資源條件下更快更好地達(dá)成組織目標(biāo)的能力。農(nóng)村金融體制改革推行多年,當(dāng)前農(nóng)村信用社的效率如何?是否有利于實(shí)現(xiàn)其所肩負(fù)的利潤(rùn)最大化和肩負(fù)三農(nóng)兩大目標(biāo)?哪些因素是影響農(nóng)村信用社效率提高的主要因素,即影響其實(shí)現(xiàn)目標(biāo)能力的因素?本文以泗洪縣農(nóng)村信用社(現(xiàn)為泗洪農(nóng)村商業(yè)銀行)為例,在閱讀已有文獻(xiàn)的基礎(chǔ)上,構(gòu)建了農(nóng)村商業(yè)銀行運(yùn)行效率評(píng)價(jià)投入產(chǎn)出指標(biāo)體系。該體系在一般商業(yè)銀行投入產(chǎn)出指標(biāo)選取的基礎(chǔ)上,增加能夠體現(xiàn)農(nóng)村商業(yè)銀行服務(wù)三農(nóng)宗旨的年度涉農(nóng)貸款發(fā)放額產(chǎn)出指標(biāo),試圖將農(nóng)村信用社利潤(rùn)最大化和服務(wù)三農(nóng)兩大目標(biāo)融合。分別運(yùn)用數(shù)據(jù)包絡(luò)分析方法(DEA)和方差分析方法,對(duì)以上兩個(gè)問(wèn)題進(jìn)行研究。 研究結(jié)果表明泗洪縣農(nóng)村商業(yè)銀行運(yùn)營(yíng)的總效率偏低,且主要是由于技術(shù)進(jìn)步的變動(dòng)過(guò)低導(dǎo)致。得益于技術(shù)進(jìn)步變動(dòng)處于較高水平,歸仁支行和臨淮支行的綜合效率水平較高。金鎖支行和重崗支行的技術(shù)效率水平較高,前者主要得益于規(guī)模效率的改進(jìn),后者主要得益于純技術(shù)效率的提高。泗洪縣農(nóng)村商業(yè)銀行總體的技術(shù)進(jìn)步是處于下降的狀態(tài),所有比較對(duì)象中,只有歸仁支行和臨淮支行的技術(shù)進(jìn)步處于上升狀態(tài),其余支行包括泗洪縣農(nóng)村商業(yè)銀行技術(shù)進(jìn)步均處于下降的狀態(tài)。純技術(shù)效率和規(guī)模效率的分布情況與技術(shù)效率的分布情況差異不大。 泗洪縣農(nóng)村商業(yè)銀行各支行的運(yùn)行綜合效率影響因素研究結(jié)果表明人員質(zhì)量、盈利能力、規(guī)模和資產(chǎn)質(zhì)量等對(duì)泗洪縣農(nóng)村商業(yè)銀行各支行的綜合效率有顯著的正向影響；資源配置能力、多樣化程度、抗風(fēng)險(xiǎn)能力和地區(qū)因素等對(duì)泗洪縣農(nóng)村商業(yè)銀行各支行的綜合效率的影響不顯著。 在此基礎(chǔ)上,本文提出了轉(zhuǎn)變管理理念,重視綜合效率；提高管理水平,提高技術(shù)效率；加強(qiáng)科技改進(jìn),促進(jìn)技術(shù)進(jìn)步；明確自身定位,堅(jiān)持服務(wù)三農(nóng)；重視人才培養(yǎng),保障發(fā)展動(dòng)力等對(duì)策和建議。
[Abstract]:The purpose of the reform is to improve efficiency, while efficiency represents the ability of faster and better achieve the goals of the organization in the existing resources. Under the condition of rural financial system reform carried out for many years, how about the efficiency of the current rural credit cooperatives? Whether to undertake the maximum profit and has two major objectives of agriculture which factors? Is the main factor affecting the efficiency of rural credit cooperatives, the factors affecting its ability to achieve objectives? This paper takes Sihong County Rural Credit Cooperatives (now Sihong Rural Commercial Bank) as an example, based on the existing literature, establishes efficiency evaluation of rural commercial bank input-output index system. In the general commercial bank investment based on the output index selection system, the annual increase of agriculture related loans output index can reflect the rural commercial bank, rural services aim, to rural credit cooperatives The two major goals of profit maximization and service agriculture, agriculture and rural areas are integrated. The above two problems are studied by using the method of data envelopment analysis (DEA) and variance analysis.
The results show that the low total efficiency of Sihong County Rural Commercial bank operation, which is mainly due to changes in the low technology. Thanks to technology changes at a high level, the overall efficiency level of Gueiren branch and linhuai branch of the high level of technical efficiency. The Golden branch and heavy Kong branch high in scale efficiency improvement the former mainly benefits, the latter mainly benefited from increased pure technical efficiency. The technology of rural commercial banks in Sihong county overall progress is the decline in the state, all objects, only the technology progress Gueiren branch and linhuai branch is rising, the other branch including Sihong County Rural Commercial Bank are in decline in the state of technological progress the distribution of differences. Distribution of technical efficiency and pure technical efficiency and scale efficiency is low.
Effect of comprehensive operation efficiency of the Rural Commercial Bank of Sihong County branch research factors showed that the quality of personnel, profitability, scale and asset quality has a significant positive impact on the overall efficiency of Sihong County Rural Commercial Bank branches; the ability of resource allocation, diversification degree, influence the comprehensive efficiency of anti risk ability and regional factors of Sihong each branch of the county rural commercial banks is not significant.
On this basis, this paper puts forward the countermeasures and suggestions for changing management concepts, focusing on comprehensive efficiency, improving management level, improving technical efficiency, strengthening technological improvement, promoting technological progress, positioning clearly, insisting on serving three rural areas, attaching importance to talent training and ensuring development momentum.

【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.35

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