本文選題：村鎮(zhèn)銀行 + 管理模式　； 參考：《華南理工大學》2014年碩士論文

【摘要】：隨著我國經(jīng)濟的快速發(fā)展，“三農(nóng)”問題日益顯現(xiàn)，已成為制約國民經(jīng)濟又好又快發(fā)展的一個重要因素，從長遠意義上講，解決“三農(nóng)”問題已顯得十分重要。村鎮(zhèn)銀行是我國農(nóng)村金融體制改革和創(chuàng)新的產(chǎn)物，在推進新農(nóng)村建設(shè)中發(fā)揮著重要作用，已成為支持當?shù)亍叭r(nóng)”發(fā)展的生力軍，其發(fā)展現(xiàn)狀、管理模式、影響因素、對策建議也已引起學術(shù)界和業(yè)界的普遍關(guān)注。因此對上述問題進行全面、系統(tǒng)、深入地考察與研究具有重要的意義。 本文擬通過多元回歸模型對影響我國村鎮(zhèn)銀行績效的因素進行實證研究。為此，本文首先介紹了我國村鎮(zhèn)銀行發(fā)展現(xiàn)狀分析，對其發(fā)展概況以及目前發(fā)展過程中存在的問題進行了簡要的描述；之后對我國村鎮(zhèn)銀行的管理總部制、總分行制、控股公司制以及子銀行制四種發(fā)展模式進行了分析，并在此基礎(chǔ)上提出了目前我國村鎮(zhèn)銀行在以上四種發(fā)展模式中存在的問題以及改進的思路與激勵約束機制；接著以我國799家村鎮(zhèn)銀行為研究對象，利用截面數(shù)據(jù)從盈利能力和風險管理兩個指標建立多元回歸模型，，實證分析影響我國村鎮(zhèn)銀行績效的主要因素；最后，通過多元回歸模型，得出我國村鎮(zhèn)銀行發(fā)展的對策建議。 通過本文的研究表明，從明晰村鎮(zhèn)銀行市場定位、加強村鎮(zhèn)銀行業(yè)務(wù)創(chuàng)新以及完善村鎮(zhèn)銀行內(nèi)部控制制度三個方面入手，可以有效改善我國村鎮(zhèn)銀行的現(xiàn)狀，促進我國村鎮(zhèn)銀行健康快速發(fā)展。
[Abstract]:With the rapid economic development of our country, the problem of "agriculture, rural areas and farmers" has become increasingly apparent, which has become an important factor restricting the sound and rapid development of the national economy. In the long run, it is very important to solve the problem of "agriculture, rural areas and farmers". The village bank is the product of the reform and innovation of the rural financial system in our country. It plays an important role in promoting the construction of the new countryside. It has become a new force to support the development of the local "three rural areas". Countermeasures and suggestions have also aroused widespread concern in academia and industry. Therefore, it is of great significance to investigate and study the above problems comprehensively, systematically and deeply. This paper makes an empirical study on the factors that affect the performance of rural banks in China through multiple regression model. For this reason, this paper first introduces the current situation of the development of village banks in China, and briefly describes the development situation and problems in the current development process, and then gives a brief description of the management headquarter system, the general branch system of the village and town banks in our country. On the basis of the analysis of the four development models of holding company system and sub-bank system, the paper puts forward the problems existing in the above four development models of village and town banks in our country, as well as the improved ideas and incentive and restraint mechanisms. Then taking 799 village banks in China as the research object, using cross-section data from profitability and risk management two indicators to establish a multi-regression model, empirical analysis of the main factors affecting the performance of rural banks in China; finally, Through multivariate regression model, the countermeasures and suggestions for the development of village banks in China are obtained. Through the research of this paper, it is shown that the present situation of village bank can be effectively improved from three aspects: clarifying the market orientation of village bank, strengthening the innovation of village bank business and perfecting the internal control system of village bank. To promote the healthy and rapid development of rural banks in China.
【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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