本文選題：商業(yè)銀行 + 支農(nóng)效率　； 參考：《安徽大學(xué)》2012年碩士論文

【摘要】：我國建國60年以來,社會經(jīng)濟(jì)取得了長足的發(fā)展和進(jìn)步,尤其是城市化建設(shè),完成了從無到有再到現(xiàn)代化高速發(fā)展時(shí)期。而與之相比我國農(nóng)村的狀況則令人堪憂,歷史上國家從農(nóng)村大量汲取資源支援城市化建設(shè),造成了農(nóng)村經(jīng)濟(jì)金融上發(fā)展的落后性。為了保障社會公平穩(wěn)定和諧的發(fā)展,國家近年來持續(xù)力度加大了對農(nóng)村經(jīng)濟(jì)發(fā)展的支持,這其中核心的部分是對農(nóng)村金融市場的介入和支持。各類性質(zhì)的金融體系和金融機(jī)構(gòu)互相協(xié)作,在國家金融主管部門的宏觀調(diào)控下,為農(nóng)村金融市場和金融機(jī)構(gòu)的發(fā)展及社會主義新農(nóng)村金融體系的形成貢獻(xiàn)力量。本文主要探討其中商業(yè)銀行對農(nóng)村金融體系的支持情況。 首先在第一章,本文分析了商業(yè)銀行介入我國農(nóng)村金融市場的背景和本文研究商業(yè)銀行支農(nóng)的現(xiàn)實(shí)意義,在國家充分的重視和關(guān)注下,商業(yè)銀行對農(nóng)村金融市場的介入將有利于滿足農(nóng)村微觀經(jīng)濟(jì)主體的金融需要和農(nóng)村金融市場的進(jìn)步。接著本文著重對國內(nèi)外運(yùn)用隨機(jī)前沿方法(SFA方法)評價(jià)生產(chǎn)效率及金融機(jī)構(gòu)效率的相關(guān)文獻(xiàn)進(jìn)行了綜述,并對運(yùn)用SFA方法評價(jià)支農(nóng)金融機(jī)構(gòu)效率的現(xiàn)有研究狀況以及作者研究思路、文章架構(gòu)、創(chuàng)新及不足之處作出一定的闡述。 第二章為商業(yè)銀行支農(nóng)效率分析的理論闡述,在這里主要通過兩個角度進(jìn)行說明,一是商業(yè)銀行支農(nóng)的主要理論依據(jù)(主要理論來源為農(nóng)業(yè)金融市場論和不完全競爭市場論的相關(guān)內(nèi)容)和我國特殊“三元”架構(gòu)下商業(yè)性金融的性質(zhì),是 第三章主要為金融機(jī)構(gòu)包括支農(nóng)金融機(jī)構(gòu)效率概念的相關(guān)解釋,對SFA方法的及選取該方法的原因進(jìn)行了簡要的介紹,并提出支農(nóng)效率測度的分析框架。 第四章通過大量數(shù)據(jù)分析了商業(yè)銀行支農(nóng)的現(xiàn)狀,主要分析角度為：支農(nóng)商業(yè)銀行涉農(nóng)貸款規(guī)模、資金凈流量統(tǒng)計(jì)、機(jī)構(gòu)數(shù)量、網(wǎng)點(diǎn)覆蓋面與人員結(jié)構(gòu)統(tǒng)計(jì)、資產(chǎn)及盈利狀況及中間業(yè)務(wù)品種及規(guī)模,并在分析現(xiàn)狀后進(jìn)一步闡述了商業(yè)銀行目前面臨的主要問題和困難。 第五章是文章的重點(diǎn),根據(jù)第二章的分析框架針對商業(yè)銀行支農(nóng)效率的評價(jià)體系建立了模型,探討了基本模型和指標(biāo)選取的取舍,通過農(nóng)業(yè)銀行、農(nóng)村商業(yè)銀行、郵政儲蓄銀行2003-2010年的相關(guān)面板和截面數(shù)據(jù)在盈利效率和支農(nóng)效率兩個方面進(jìn)行測度和評價(jià),并分析了相關(guān)影響因素。得出結(jié)論,影響商業(yè)銀行支農(nóng)利潤的主要因素包括體制內(nèi)和體制外的,體制內(nèi)的主要受其資產(chǎn)機(jī)構(gòu)、不良資產(chǎn)率等因素的影響,體制外則包括改制、上市、是否由合作金融演變等因素。在支農(nóng)效率上,商業(yè)銀行涉農(nóng)資金回流的效率主要與其本身的信貸結(jié)構(gòu)、支農(nóng)地區(qū)的經(jīng)濟(jì)發(fā)展?fàn)顩r和農(nóng)業(yè)企業(yè)／農(nóng)戶貸款比例(間接影響了其涉農(nóng)資產(chǎn)質(zhì)量)有關(guān)。 第六章則對前文的分析結(jié)果提出一定的政策建議和展望。
[Abstract]:Since the founding of the people's Republic of China 60 years ago, the social economy has made great progress, especially in the construction of urbanization, which has completed the period of rapid development from scratch to modernization. In contrast, the situation of our country's countryside is worrisome. In history, the country draws a lot of resources from the countryside to support the construction of urbanization, which results in the backwardness of the development of rural economy and finance. In order to ensure the fair, stable and harmonious development of the society, the state has increased its support for the rural economic development in recent years, the core of which is the intervention and support to the rural financial market. All kinds of financial systems and financial institutions cooperate with each other and contribute to the development of the rural financial market and financial institutions and the formation of a new socialist rural financial system under the macro-control of the national financial authorities. This paper mainly discusses the support of commercial banks to the rural financial system. First of all, in the first chapter, this paper analyzes the background of commercial banks' involvement in rural financial markets and the practical significance of the study of commercial banks to support agriculture, under the state's full attention and concern. The involvement of commercial banks in rural financial markets will help to meet the financial needs of rural microeconomic subjects and the progress of rural financial markets. Then this paper summarizes the literature on the evaluation of production efficiency and financial institution efficiency using stochastic frontier method (SFA) at home and abroad. The present research situation and author's research ideas, structure, innovation and inadequacies of evaluating the efficiency of agricultural financial institutions by using SFA method are also discussed in this paper. The second chapter is the theoretical elaboration of the efficiency analysis of supporting agriculture in commercial banks, which is mainly explained from two angles. First, the main theoretical basis of commercial banks supporting agriculture (the main theoretical sources are the related contents of agricultural financial market theory and incomplete competitive market theory) and the nature of commercial finance under the special "ternary" framework of our country. The third chapter mainly explains the concept of the efficiency of financial institutions including agricultural financial institutions. It briefly introduces the SFA method and the reasons for its selection and puts forward an analytical framework for measuring the efficiency of supporting agriculture. The fourth chapter analyzes the current situation of commercial banks supporting agriculture through a large number of data, mainly from the perspective of: the scale of agricultural loans, net capital flow statistics, the number of institutions, network coverage and personnel structure statistics. After analyzing the present situation, the main problems and difficulties faced by commercial banks are further expounded. The fifth chapter is the focus of the article, according to the second chapter of the analysis framework of the evaluation system of commercial banks to support agriculture established a model, discussed the basic model and the selection of indicators, through the agricultural bank, rural commercial banks, The relevant panel and cross-section data of Postal savings Bank from 2003 to 2010 are measured and evaluated in terms of profit efficiency and agricultural support efficiency, and the related influencing factors are analyzed. It is concluded that the main factors that affect the profits of commercial banks in support of agriculture include those within and outside the system, which are mainly affected by their asset institutions, the rate of non-performing assets, and so on, while outside the system includes restructuring, listing, and so on. Whether the evolution of cooperative finance and other factors. In terms of the efficiency of supporting agriculture, the efficiency of the return of agricultural funds of commercial banks is mainly related to their own credit structure, the economic development of agricultural areas and the ratio of agricultural enterprises to farmers' loans (which indirectly affects the quality of their agriculture-related assets). The sixth chapter puts forward some policy suggestions and prospects to the above analysis results.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.43;F224

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