本文關鍵詞： 村鎮(zhèn)銀行 效率 影響因素　出處：《華南理工大學》2014年碩士論文　論文類型：學位論文

【摘要】：村鎮(zhèn)銀行作為新型的農村金融機構，起到填補農村金融空白、增加農村金融供給和支農扶農的作用，且其地位和作用越來越重要。現(xiàn)階段，我國對村鎮(zhèn)銀行效率的實證研究較少，且在數(shù)據(jù)上存在明顯不足，對其效率的影響因素的研究更是微乎其微。因此，對我國村鎮(zhèn)銀行效率及影響因素的研究十分迫切而且必要。 本文主要測算了我國村鎮(zhèn)銀行的效率及對其影響因素進行了分析。首先，，在借鑒國內外現(xiàn)有研究成果的基礎上，結合我國村鎮(zhèn)銀行發(fā)展現(xiàn)狀，文章運用DEA方法，對我國村鎮(zhèn)銀行的效率進行了測算；其次，使用Tobit回歸模型，以DEA方法下的綜合技術效率值為因變量，對村鎮(zhèn)銀行效率的影響因素進行了定量分析，揭示了影響效率的各個因素，以及這些因素對效率的影響方向和影響程度。圍繞這兩個核心,文章得出如下結論： 第一，我國村鎮(zhèn)銀行效率較低并且存在區(qū)域差異。我國大部分村鎮(zhèn)銀行的純技術效率、規(guī)模效率和綜合技術效率均處于無效率狀態(tài)或者效率水平較低，但規(guī)模效率的總體表現(xiàn)比純技術效率要好，因此導致綜合技術效率較低的主要原因是純技術效率比較低，其次才是規(guī)模效率。此外，中西部地區(qū)比東部地區(qū)具有更多高效率值的村鎮(zhèn)銀行；發(fā)起行為農村金融機構的村鎮(zhèn)銀行的效率比非農村金融機構發(fā)起的村鎮(zhèn)銀行要高。 第二，影響我國村鎮(zhèn)銀行效率的因素各自對效率起著不同方向作用。論文分別使用了定性和定量分析方法，其中，定性分析認為較高的資產(chǎn)質量、較強盈利能力和較好的安全性能夠增加效率；當主發(fā)起行的身份為農村金融機構時，也有助于村鎮(zhèn)銀行提高效率；而資產(chǎn)配置能力和股權結構均對效率同時存在兩種截然相反的影響。定量分析認為金融業(yè)市場化指數(shù)和存貸比均對效率存在負面的影響；農村居民人均純收入、凈資產(chǎn)收益率、第一大股東持股比例以及資本充足率均對效率存在積極的影響；中西部地區(qū)的村鎮(zhèn)銀行比東部地區(qū)的效率更高。
[Abstract]:As a new type of rural financial institution, village bank plays an important role in filling the gap of rural finance, increasing the supply of rural finance and supporting agriculture and supporting agriculture. There are few empirical studies on the efficiency of village banks in our country, and there are obvious deficiencies in the data, and the research on the influencing factors of the efficiency of rural banks is even less. Therefore, it is very urgent and necessary to study the efficiency and influencing factors of rural banks in China. This paper mainly estimates the efficiency of village banks in China and analyzes its influencing factors. Firstly, based on the existing research results at home and abroad, combined with the current situation of the development of village banks in China, this paper uses DEA method. The paper calculates the efficiency of village banks in China. Secondly, using the Tobit regression model and the comprehensive technical efficiency value under the DEA method as dependent variables, the factors affecting the efficiency of village banks are quantitatively analyzed. This paper reveals the factors influencing efficiency, the direction and degree of these factors affecting efficiency. Around these two core, the paper draws the following conclusions:. First, the efficiency of rural banks in China is low and there are regional differences. The pure technical efficiency, scale efficiency and comprehensive technical efficiency of most village banks in China are in the state of inefficiency or the level of efficiency is low. However, the overall performance of scale efficiency is better than that of pure technology, so the main reason for the low efficiency of integrated technology is the low efficiency of pure technology, followed by the efficiency of scale. There are more village banks with higher efficiency in the central and western regions than in the eastern region, and the efficiency of the village banks initiating the behavior of rural financial institutions is higher than that of the rural banks initiated by non-rural financial institutions. Secondly, the factors affecting the efficiency of village and town banks play different roles in the efficiency. The qualitative and quantitative methods are used in this paper, among which, the qualitative analysis shows that the higher asset quality is. Stronger profitability and better security can increase efficiency, when the main bank is a rural financial institution, it can also help the village bank to improve its efficiency. Both asset allocation ability and equity structure have two opposite effects on efficiency at the same time. The quantitative analysis shows that the marketization index of financial industry and the ratio of deposit to loan have negative effects on efficiency, the per capita net income of rural residents, the rate of return on net assets, the ratio of return on net assets, The proportion of the largest shareholders and the ratio of capital adequacy have a positive impact on efficiency, and the rural banks in the central and western regions are more efficient than those in the eastern region.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.35

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本文編號：1548461