【摘要】：農(nóng)村商業(yè)銀行是我國(guó)農(nóng)村信用社改革的產(chǎn)物,在改革深化中不斷發(fā)展壯大,已成為農(nóng)村金融體系中的重要組成部分，是我國(guó)農(nóng)村金融的主力軍，為我國(guó)“三農(nóng)”的發(fā)展貢獻(xiàn)了巨大的力量。自2001年我國(guó)第一家農(nóng)村商業(yè)銀行在江蘇張家港成立以來(lái)，農(nóng)村商業(yè)銀行在各地迅速成立，有了較快的發(fā)展，截止到2012年我國(guó)農(nóng)村商業(yè)銀行共成立278家，農(nóng)村商業(yè)銀行成立以來(lái)，對(duì)于農(nóng)村金融服務(wù)質(zhì)量的提高和農(nóng)村金融市場(chǎng)的完善起到了重大的作用。 我國(guó)銀行之間的競(jìng)爭(zhēng)逐漸激烈，金融市場(chǎng)之間的競(jìng)爭(zhēng)程度逐漸加深，在金融競(jìng)爭(zhēng)日趨激烈的環(huán)境下,我國(guó)農(nóng)村商業(yè)銀行的競(jìng)爭(zhēng)力如何，運(yùn)營(yíng)效率的好壞是一個(gè)值得關(guān)注的問(wèn)題。本文基于數(shù)據(jù)包絡(luò)分析法和主成分分析法來(lái)研究我國(guó)農(nóng)村商業(yè)銀行的競(jìng)爭(zhēng)力。首先，介紹了商業(yè)銀行競(jìng)爭(zhēng)力的理論；其次，，根據(jù)商業(yè)銀行競(jìng)爭(zhēng)力的理論采用數(shù)據(jù)包絡(luò)分析法（DEA）和主成分分析法對(duì)我國(guó)農(nóng)村商業(yè)銀行的競(jìng)爭(zhēng)力進(jìn)行實(shí)證研究；再次，針對(duì)我國(guó)農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力的現(xiàn)狀，提出了增強(qiáng)農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力的建議。 本文的研究對(duì)象是我國(guó)農(nóng)村商業(yè)銀行。本文的貢獻(xiàn)是運(yùn)用數(shù)據(jù)包絡(luò)分析法（DEA）和主成分分析法對(duì)樣本農(nóng)村商業(yè)銀行進(jìn)行實(shí)證研究，進(jìn)而給出樣本銀行競(jìng)爭(zhēng)力的排名，找出了影響農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力的因素，提出了提高農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力的對(duì)策。然而，本文也存在一些不足，由于一些農(nóng)村商業(yè)銀行的數(shù)據(jù)沒(méi)有公開(kāi)，只選了一些有代表性的樣本銀行進(jìn)行研究，難免存在一些偏差。
[Abstract]:Rural commercial banks are the product of the reform of rural credit cooperatives in China. They have become an important part of the rural financial system and the main force of rural finance in China. It has contributed a great deal to the development of agriculture, rural areas and farmers in China. Since the establishment of the first rural commercial bank in Zhangjiagang, Jiangsu Province in 2001, the rural commercial bank has been established rapidly and developed rapidly. By 2012, a total of 278 rural commercial banks have been established in China, and rural commercial banks have been established since the establishment of rural commercial banks. It plays an important role in improving the quality of rural financial services and improving the rural financial market. The competition between the banks in our country is gradually fierce, the competition degree among the financial markets is deepening gradually. In the environment of the increasingly fierce financial competition, the competitiveness of the rural commercial banks in our country and the quality of the operational efficiency are a problem worth paying attention to. This paper studies the competitiveness of rural commercial banks in China based on data Envelopment Analysis and Principal component Analysis. Firstly, it introduces the theory of the competitiveness of commercial banks; secondly, according to the theory of competitiveness of commercial banks, the paper makes an empirical study on the competitiveness of rural commercial banks in China by using data Envelopment Analysis (DEA) and Principal component Analysis (PCA). Thirdly, in view of the present situation of rural commercial banks' competitiveness, the paper puts forward some suggestions to enhance the competitiveness of rural commercial banks. The research object of this paper is the rural commercial bank of our country. The contribution of this paper is to use data Envelopment Analysis (DEA) and Principal component Analysis (PCA) to make an empirical study on the sample rural commercial banks, and then give the ranking of the sample banks' competitiveness, and find out the factors that affect the competitiveness of rural commercial banks. The countermeasures to improve the competitiveness of rural commercial banks are put forward. However, this paper also has some shortcomings, because some rural commercial banks' data are not published, only some representative sample banks are selected for research, and there are inevitably some deviations.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 朱純福;銀行競(jìng)爭(zhēng)力評(píng)價(jià)方法及其指標(biāo)體系的構(gòu)建[J];金融論壇;2002年10期

2 李美娟,陳國(guó)宏;數(shù)據(jù)包絡(luò)分析法(DEA)的研究與應(yīng)用[J];中國(guó)工程科學(xué);2003年06期

3 張麗云;;農(nóng)村商業(yè)銀行的困境及對(duì)策[J];北方經(jīng)貿(mào);2007年10期

4 劉世錦,楊建龍;核心競(jìng)爭(zhēng)力:企業(yè)重組中的一個(gè)新概念[J];中國(guó)工業(yè)經(jīng)濟(jì);1999年02期

5 朱南;吳中超;;東中西部農(nóng)村商業(yè)銀行競(jìng)爭(zhēng)力比較研究[J];金融論壇;2012年06期

6 李元旭,黃巖,張向菁;中國(guó)國(guó)有商業(yè)銀行與外資銀行競(jìng)爭(zhēng)力比較研究[J];金融研究;2000年03期

7 王國(guó)琛;許春培;華建棟;;農(nóng)村商業(yè)銀行全面風(fēng)險(xiǎn)管理現(xiàn)狀與路徑探討——以江南農(nóng)村商業(yè)銀行全面風(fēng)險(xiǎn)管理為例[J];金融縱橫;2012年03期

8 趙鋼;;農(nóng)村商業(yè)銀行跨區(qū)域經(jīng)營(yíng)的分析與思考[J];科技經(jīng)濟(jì)市場(chǎng);2011年10期

9 王驚濤;郝春暉;;數(shù)據(jù)包絡(luò)分析(DEA)理論綜述及展望[J];科技情報(bào)開(kāi)發(fā)與經(jīng)濟(jì);2009年19期

10 楊青楠;解晟實(shí);;基于DEA方法的農(nóng)村商業(yè)銀行運(yùn)營(yíng)效率評(píng)價(jià)[J];科技與管理;2011年01期

本文編號(hào)：2352205