【摘要】：當(dāng)前,世界經(jīng)濟(jì)經(jīng)歷了風(fēng)雨飄搖的國際金融危機(jī)和經(jīng)濟(jì)衰退階段,進(jìn)入了艱難復(fù)蘇的“后國際金融危機(jī)時期”,企業(yè)已經(jīng)被卷入到一個動蕩且不確定的復(fù)雜生存環(huán)境系統(tǒng)中。在這樣的背景下,中國銀行業(yè)近年來總體保持穩(wěn)健運營,資產(chǎn)規(guī)模保持較快增長,但同時也面臨著國際金融環(huán)境惡化的系統(tǒng)性風(fēng)險以及市場化改革后帶來的愈來愈激烈的競爭壓力。面向“三農(nóng)”服務(wù)的中國農(nóng)村商業(yè)銀行面對激烈的銀行競爭壓力能否可持續(xù)成長值得關(guān)注,可持續(xù)成長測度與評價是中國農(nóng)村商業(yè)銀行亟待解決的課題。中國農(nóng)村商業(yè)銀行作為農(nóng)村金融機(jī)構(gòu)改革的產(chǎn)物,是中國銀行業(yè)面向“三農(nóng)”提供金融產(chǎn)品與服務(wù)的一只主力軍。鑒于“三農(nóng)”問題的重要性和農(nóng)村金融改革的重大意義,對中國農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行測度與評價具有很強(qiáng)的理論價值和現(xiàn)實意義。正是基于上述背景和認(rèn)識,本文以中國農(nóng)村商業(yè)銀行可持續(xù)成長：測度與評價為題,采用規(guī)范理論分析與實證研究相結(jié)合,定性分析與定量研究相結(jié)合的研究方法,在對中國農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行深入的理論分析基礎(chǔ)上,對其進(jìn)行了測度與評價研究。根據(jù)研究內(nèi)容的具體安排,全文分為六個部分：第1章,導(dǎo)論。本章介紹論文研究背景,然后提出研究問題,論證了研究目的與意義,介紹了研究主要內(nèi)容與采用的研究方法,提出了論文研究的技術(shù)路線和結(jié)構(gòu)安排,同時指出了本文的創(chuàng)新點與不足之處。第2章,理論與文獻(xiàn)。本章對本論文研究的相關(guān)理論基礎(chǔ)進(jìn)行了介紹,并對這些理論和商業(yè)銀行可持續(xù)成長測評的研究情況進(jìn)行了文獻(xiàn)綜述,目的是為文章后面章節(jié)的理論分析與實證研究進(jìn)行理論準(zhǔn)備。這些理論包括企業(yè)競爭力理論、企業(yè)可持續(xù)成長理論、金融可持續(xù)發(fā)展及評價理論、全要素生產(chǎn)率(TFP)測量理論。第3章,一般企業(yè)與中國農(nóng)村商業(yè)銀行可持續(xù)成長的動因與機(jī)理分析。本章在第2章的基礎(chǔ)上,先從一般企業(yè)的可持續(xù)成長概念、動因與機(jī)理層面進(jìn)行理論探討,經(jīng)過分析,構(gòu)建了一般企業(yè)可持續(xù)成長多維概念框架、動因與機(jī)理模型。然后對中國農(nóng)村金融市場的現(xiàn)狀與運行特征,中國農(nóng)村金融組織體系和中國農(nóng)村商業(yè)銀行成長特征進(jìn)行了介紹,指出了中國農(nóng)村商業(yè)銀行成長中面臨的問題。最后,對中國農(nóng)村商業(yè)銀行可持續(xù)成長的內(nèi)涵、動因與機(jī)理進(jìn)行了闡述,構(gòu)建了農(nóng)村商業(yè)銀行可持續(xù)成長機(jī)理模型和農(nóng)村商業(yè)銀行持續(xù)競爭力指標(biāo)體系。第4章,中國農(nóng)村商業(yè)銀行可持續(xù)成長測度模型與評價方法。在第3章構(gòu)建的農(nóng)村商業(yè)銀行可持續(xù)成長機(jī)理模型基礎(chǔ)上,本章延伸到農(nóng)村商業(yè)銀行的測度與評價研究方面,提出了中國農(nóng)村商業(yè)銀行可持續(xù)成長評價的測度模型,并根據(jù)測度模型進(jìn)行了評價方法選擇。最后簡單介紹了三類實證評價方法：AHP模型評價方法、DEA-Malquist指數(shù)模型評價方法和單一財務(wù)指標(biāo)的增長率評價方法。第5章,中國農(nóng)村商業(yè)銀行可持續(xù)成長測度與評價：實證研究。根據(jù)第4章的農(nóng)村商業(yè)銀行可持續(xù)成長測度模型,選擇了中國東中西部11家農(nóng)村商業(yè)銀行為研究樣本,采用第4章介紹的三種農(nóng)村商業(yè)銀行可持續(xù)成長評價方法對中國農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行了實證測評分析。最后對三種實證方法得出的結(jié)果進(jìn)行了比較分析。第6章,研究結(jié)論、對策及展望。本章總結(jié)全文的研究成果,歸納研究結(jié)論,提出了筆者的對策建議；最后,對本研究的局限性進(jìn)行了分析并對未來可能的細(xì)分研究領(lǐng)域進(jìn)行了展望。本文的主要結(jié)論在于：1、從中國農(nóng)村商業(yè)銀行整個行業(yè)來分析,考察期間(2007-2010)行業(yè)總體呈現(xiàn)可持續(xù)成長,但可持續(xù)成長表現(xiàn)出不平衡性,說明農(nóng)村商業(yè)銀行可持續(xù)成長具有多維度特征,應(yīng)該選擇合適方法及測評指標(biāo)從多維度進(jìn)行測評。2、從中國農(nóng)村商業(yè)銀行個體來分析,考察期間(2007-2010),相比西部農(nóng)村商業(yè)銀行,東部農(nóng)村商業(yè)銀行的可持續(xù)成長更為明顯。東部農(nóng)村商業(yè)銀行存在較大的區(qū)域競爭優(yōu)勢效應(yīng),中西部農(nóng)村商業(yè)銀行需要更多從改善自身的持續(xù)競爭力入手,增強(qiáng)其可持續(xù)成長性。3、單一財務(wù)指標(biāo)的增長率評價方法不太適合作為中國農(nóng)村商業(yè)銀行個體可持續(xù)成長的評價方法,但可以作為判斷行業(yè)整體可持續(xù)成長的參考方法。基于單一財務(wù)指標(biāo)的增長率分析得出的各農(nóng)村商業(yè)銀行可持續(xù)成長排名不一致,隨意性很大,印證了本文對農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行多維度測度的思路是科學(xué)和合理的；但是這種方法具有方法簡單、數(shù)據(jù)易得的特點,尤其綜合分析各種財務(wù)指標(biāo)的年平均增長率對判斷農(nóng)村商業(yè)銀行業(yè)整體可持續(xù)成長情況具有直觀的參考作用。4、層次分析法(AHP)和DEA-Malmquist指數(shù)方法均可作為中國農(nóng)村商業(yè)銀行可持續(xù)成長評價的較好方法,DEA-Malmquist指數(shù)方法應(yīng)用面更廣。層次分析法(AHP)更適用于農(nóng)村商業(yè)銀行個體可持續(xù)成長的評價,DEA-Malmquist指數(shù)方法即可適用于個體農(nóng)村商業(yè)銀行可持續(xù)成長評價也適用于整體行業(yè)的可持續(xù)成長評價。本文采用層次分析法(AHP)測度農(nóng)村商業(yè)銀行持續(xù)競爭力來評價農(nóng)村商業(yè)銀行可持續(xù)成長情況與采用DEA-Malmquist指數(shù)方法測度農(nóng)村商業(yè)銀行全要素生產(chǎn)率來評價農(nóng)村商業(yè)銀行可持續(xù)成長情況,兩者得出的樣本農(nóng)村商業(yè)銀行排名大致相近,兩種評價方法對農(nóng)村商業(yè)銀行可持續(xù)成長的測度視角不同,但是測度結(jié)果相近說明了這兩種評價方法的合理性和科學(xué)性。5、本文通過定性分析建立了一些理論模型,得出以下理論性結(jié)論：提出了一般企業(yè)和中國農(nóng)村商業(yè)銀行的多維度可持續(xù)成長概念,認(rèn)為一般企業(yè)和農(nóng)村商業(yè)銀行可持續(xù)成長都具有多維度特征；構(gòu)建了一般企業(yè)可持續(xù)成長機(jī)理模型和中國農(nóng)村商業(yè)銀行可持續(xù)成長機(jī)理模型,認(rèn)為導(dǎo)致一般企業(yè)和中國農(nóng)村商業(yè)銀行可持續(xù)成長的動因是持續(xù)競爭力；建立了一般企業(yè)和中國農(nóng)村商業(yè)銀行持續(xù)競爭力指標(biāo)體系,特別指出地理位置是農(nóng)村商業(yè)銀行持續(xù)競爭力差異的重要指標(biāo)；構(gòu)建和選擇了中國農(nóng)村商業(yè)銀行可持續(xù)成長的測度模型與評價方法,認(rèn)為可以從原因和結(jié)果兩個視角并采用主客觀組合評價方法對農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行測評。6、實證結(jié)果表明了本文理論模型設(shè)計的合理性。通過三種實證方法對各家農(nóng)村商業(yè)銀行可持續(xù)成長的排名比較分析,證明了本文第3章的農(nóng)村商業(yè)銀行可持續(xù)成長多維概念、機(jī)理模型、農(nóng)村商業(yè)銀行持續(xù)競爭力指標(biāo)體系以及第4章農(nóng)村商業(yè)銀行可持續(xù)成長測度模型都具有一定的合理性,但實證結(jié)果也顯示出由于存在各種誤差的原因,上述理論模型的設(shè)計還存在不夠精確的問題。本文的主要創(chuàng)新在于：1、提出了農(nóng)村商業(yè)銀行可持續(xù)成長機(jī)理模型。在揭示企業(yè)可持續(xù)成長概念、動因與機(jī)理的前提下,提出了企業(yè)可持續(xù)成長機(jī)理模型,并以此為基礎(chǔ),提出了中國農(nóng)村商業(yè)銀行可持續(xù)成長機(jī)理模型,解釋了導(dǎo)致農(nóng)村商業(yè)銀行可持續(xù)成長的內(nèi)部動因和環(huán)境作用機(jī)理。2、構(gòu)建了農(nóng)村商業(yè)銀行可持續(xù)成長測度模型,并基于測度模型進(jìn)行了評價方法選擇。構(gòu)建的測度模型從兩個視角(原因和結(jié)果)選擇3種實證評價方法對中國農(nóng)村商業(yè)銀行可持續(xù)成長進(jìn)行測度和評價。3、拓展了一般企業(yè)和中國農(nóng)村商業(yè)銀行的持續(xù)競爭力指標(biāo)維度。在繼承與借鑒Tihomir Hunjak等(2001)的研究經(jīng)驗基礎(chǔ)上,拓展了一般企業(yè)和中國農(nóng)村商業(yè)銀行持續(xù)競爭力指標(biāo)維度,增加了差異性環(huán)境因素維度指標(biāo)(或地理位置維度指標(biāo))。1使得Tihomir Hunjak等的研究經(jīng)驗更適合于中國國情下的應(yīng)用�？偠灾�,論文在中國農(nóng)村商業(yè)銀行可持續(xù)成長概念、動因與機(jī)理分析、持續(xù)競爭力指標(biāo)維度構(gòu)成、可持續(xù)成長測度思路與評價方法選擇等領(lǐng)域有不少創(chuàng)新。本文也為一般企業(yè)可持續(xù)成長理論運用到某一具體行業(yè)的可持續(xù)成長測度與評價研究做出了具有創(chuàng)意的探索性工作。
[Abstract]:At present, the world economy has experienced a wicked international financial crisis and economic recession, entering a difficult recovery period of "post international financial crisis", and enterprises have been involved in a turbulent and uncertain complex living environment system. In this context, China's silver industry has maintained its overall steady operation and assets in recent years. The scale maintains a rapid growth, but also faces the systemic risk of the deterioration of the international financial environment and the more and more intense competition pressure brought about by the market-oriented reform. The Chinese rural commercial banks facing the "three rural" service are worthy of concern for the sustainable growth of the fierce bank competition pressure, and the measure and evaluation of sustainable growth China's rural commercial banks, as the product of the reform of rural financial institutions, are the main force of China's banking industry to provide financial products and services to the "three rural". In view of the importance of the "three rural" problem and the significance of rural financial reform, the Chinese Rural Commercial Banks The measurement and evaluation of sustainable growth is of great theoretical and practical significance. Based on the above background and understanding, this paper takes the sustainable growth of China's rural commercial banks: the measurement and evaluation, the combination of normative theoretical analysis and empirical research, the combination of qualitative analysis and quantitative research, in China On the basis of in-depth theoretical analysis of the sustainable growth of rural commercial banks, the paper has carried on the measurement and evaluation research. According to the specific arrangement of the research content, the full text is divided into six parts: first chapters, introduction. This chapter introduces the background of the research, then puts forward the research questions, demonstrates the purpose and significance of the research, and introduces the main contents of the research. With the research method adopted, the technical route and structure arrangement of the paper are put forward. At the same time, the innovation points and shortcomings of this paper are pointed out. The second chapter, the theory and the literature. This chapter introduces the theoretical basis of the research in this paper, and carries out a literature summary of these theories and the research situation of the sustainable growth evaluation of commercial banks. The purpose is to prepare for theoretical analysis and empirical research in the following chapters. These theories include the theory of enterprise competitiveness, the theory of sustainable growth of enterprises, the theory of financial sustainable development and evaluation, the theory of total factor productivity (TFP) measurement. The third chapter, the motivation and the motivation of the sustainable growth of the general enterprises and the rural commercial banks in China On the basis of the second chapter, this chapter first discusses the concept, motivation and mechanism of the sustainable growth of the general enterprise. After analysis, it constructs the multi-dimensional conceptual framework, motivation and mechanism model of the sustainable growth of the general enterprise. Then, the current situation and operation characteristics of the rural financial market in China, the rural financial organization in China, and the rural financial organization in China The system and the growth characteristics of China's rural commercial banks are introduced, and the problems facing the growth of rural commercial banks in China are pointed out. Finally, the connotation, motivation and mechanism of the sustainable growth of rural commercial banks in China are expounded, the sustainable growth mechanism model of rural commercial banks and the sustainable competitiveness of rural commercial banks are constructed. The fourth chapter, the measurement model and evaluation method of the sustainable growth of the rural commercial banks in China. On the basis of the sustainable growth mechanism model of the rural commercial banks in the third chapter, this chapter extends to the measurement and evaluation of the rural commercial banks, and puts forward the measurement model of the evaluation of the sustainable growth of the rural commercial banks in China. The evaluation method is selected according to the measure model. Finally, three kinds of empirical evaluation methods are briefly introduced: the AHP model evaluation method, the DEA-Malquist index model evaluation method and the growth rate evaluation method of the single financial index. The fifth chapter, the measurement and evaluation of the sustainable growth of China's rural commercial banks: empirical study. According to the rural areas of fourth chapters The sustainable growth of 11 rural commercial banks in East and west of China is selected as the research sample, and the sustainable growth evaluation method of three rural commercial banks introduced in fourth chapters is used to evaluate the sustainable growth of China's rural commercial banks. Finally, the results of the three empirical methods are carried out. The sixth chapter, research conclusions, countermeasures and prospects. This chapter summarizes the research results of the full text, summarizes the research conclusions, and puts forward the author's countermeasures and suggestions; finally, the limitations of this study are analyzed and the potential subdivision of the future research fields are prospected. The main conclusions of this article are: 1, from China's Rural Commercial Banks The whole industry analysis, during the period of investigation (2007-2010), the industry generally presents sustainable growth, but the sustainable growth shows the imbalance. It shows that the sustainable growth of the rural commercial banks has the multi-dimensional characteristics. It should choose the appropriate methods and evaluation indicators to evaluate.2 from the multi dimension, from the individual of China's rural commercial banks and the period of investigation. (2007-2010), compared with the western rural commercial banks, the sustainable growth of the eastern rural commercial banks is more obvious. The eastern rural commercial banks have greater regional competitive advantage effect. The central and western rural commercial banks need to start with the improvement of their own sustainable competitiveness, enhance their sustainable growth.3, and increase the single financial index. The long rate evaluation method is not suitable for the evaluation method of the individual sustainable growth of the Chinese rural commercial bank, but it can be used as a reference method to judge the sustainable growth of the whole industry. The multi dimension measure of the sustainable growth of rural commercial banks is scientific and reasonable. However, this method has a simple method, the characteristics of data easy to obtain, especially the comprehensive analysis of the annual average growth rate of various financial indicators, which has a visual reference function.4 for judging the overall sustainability of the rural commercial banks. The analysis method (AHP) and the DEA-Malmquist index method can be used as a better method for the evaluation of the sustainable growth of the rural commercial banks in China. The DEA-Malmquist index method is more widely used. The analytic hierarchy process (AHP) is more suitable for the evaluation of the individual sustainable growth of the rural commercial banks. The DEA-Malmquist index method can be applied to the individual rural commercial banks. The sustainable growth evaluation is also applicable to the sustainable growth evaluation of the whole industry. This paper uses the analytic hierarchy process (AHP) to measure the sustainable competitiveness of rural commercial banks to evaluate the sustainable growth of rural commercial banks and measure the total factor productivity of rural commercial banks by using the DEA-Malmquist index method to evaluate the availability of rural commercial banks. Continued growth, the two samples of the sample rural commercial banks are roughly similar, the two evaluation methods are different to the measurement of the sustainable growth of rural commercial banks, but the measurement results are similar to the rationality and scientific.5 of the two evaluation methods. In this paper, some theoretical models are established by the definite analysis, and the following theory is obtained. On the concept of the sustainable growth of the general enterprise and the rural commercial banks, the sustainable growth of the general enterprises and the rural commercial banks all have the multi-dimensional characteristics, and the model of the sustainable growth mechanism of the general enterprises and the model of the sustainable growth mechanism of the Chinese rural commercial banks are constructed, which results in the general concept of the sustainable growth of the rural commercial banks in China. The sustainable competitiveness of the enterprises and the rural commercial banks in China is sustainable competitiveness, and the index system of the sustainable competitiveness of the general enterprises and the rural commercial banks in China is set up, especially the geographical position is an important indicator of the sustainable competitiveness of the rural commercial banks, and the sustainable growth of the Chinese rural commercial banks is constructed and selected. Measuring model and evaluation method, we think that we can evaluate the sustainable growth of rural commercial banks from two perspectives of reasons and results and use subjective and objective combination evaluation method to evaluate the sustainable growth of rural commercial banks. The empirical results show the rationality of the design of the theoretical model in this paper. The ranking of the sustainable growth of rural commercial banks of all rural villages is divided by three empirical methods. It is proved that the concept of the sustainable growth of rural commercial banks in the third chapter, the mechanism model, the sustainable competitiveness index system of the rural commercial banks and the fourth chapters of the rural commercial banks' sustainable growth measure model are all reasonable, but the empirical results also show the theoretical model because of the reasons for the existence of various errors. The main innovations of the design are as follows: 1, the sustainable growth mechanism model of rural commercial banks is put forward. On the premise of revealing the concept, motivation and mechanism of the sustainable growth of the enterprise, the model of the sustainable growth mechanism of the enterprise is put forward, and based on this, the sustainable development of the Chinese rural commercial banks is put forward. The long mechanism model explains the internal motivation and the mechanism of the sustainable growth of rural commercial banks.2, constructs the measurement model of the sustainable growth of rural commercial banks, and selects the evaluation method based on the measure model. The constructed measure model selects 3 empirical evaluation methods from two perspectives (the original cause and the result) to China The sustainable growth of rural commercial banks is measured and evaluated by.3, which extends the sustainable competitiveness index dimension of general enterprises and Chinese rural commercial banks. On the basis of the research experience of inheriting and learning from Tihomir Hunjak (2001), it expands the index dimension of the sustainable competitiveness of the general enterprises and China's rural commercial banks, and increases the difference ring. .1 makes the research experience of Tihomir Hunjak more suitable for the application of China's national conditions. In a word, the concept of sustainable growth of China's rural commercial banks, the analysis of motivation and mechanism, the dimension of sustainable competitiveness index, the thinking of sustainable growth and the selection of evaluation methods There are a lot of innovations in the other fields. This paper also makes creative and exploratory work for the sustainable growth theory of the general enterprise to measure and evaluate the sustainable growth of a specific industry.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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