本文選題：農(nóng)村信用聯(lián)社　切入點：經(jīng)營績效評價　出處：《福建農(nóng)林大學》2017年碩士論文

【摘要】：2003年以來,新一輪農(nóng)村信用社改革在全國各地有序推開,至今取得了較大的成效。主要體現(xiàn)在核銷了不良資產(chǎn),提高了資本充足率、經(jīng)營管理效率以及加大了支農(nóng)服務功能。但與國有四大銀行以及本地區(qū)其他商業(yè)銀行相比,仍然存在一些不足,比如不良率仍然較高,支農(nóng)力度不足,經(jīng)營效率不高影響了農(nóng)村信用社的支農(nóng)力度和可持續(xù)發(fā)展。農(nóng)村信用社作為支農(nóng)主力軍,自成立以來一直就承擔著為"三農(nóng)"服務的重任。因此,建立一個績效優(yōu)良的農(nóng)村信用社并以此促進農(nóng)村經(jīng)濟的發(fā)展具有十分重要的意義。作為特殊的金融機構,其改革成效與發(fā)展質量關乎我國農(nóng)村經(jīng)濟、農(nóng)業(yè)、農(nóng)戶的發(fā)展以及農(nóng)村金融體系的安全與穩(wěn)定,因此有必要對農(nóng)村信用社的經(jīng)營績效進行深入研究和評價,為農(nóng)村信用社的可持續(xù)發(fā)展以及加大支農(nóng)力度獻計獻策。本研究擬從貸款質量狀況、支農(nóng)服務狀況、增收節(jié)支情況以及經(jīng)營效率這四個方面對福建省南平地區(qū)農(nóng)村信用聯(lián)社2010-2015年的經(jīng)營績效進行實證分析。本文先采用描述性統(tǒng)計分析對貸款質量狀況、支農(nóng)服務狀況以及增收節(jié)支情況進行縱向和橫向地對比分析,從定性角度評價南平地區(qū)農(nóng)村信用聯(lián)社的經(jīng)營績效。接著,采用DEA模型中的CCR模型和BCC模型,以固定資產(chǎn)、資產(chǎn)總額、營業(yè)支出、貸款總額作為投入指標,以凈利潤作為產(chǎn)出指標對其經(jīng)營效率進行實證分析,得出南平地區(qū)農(nóng)村信用聯(lián)社的經(jīng)營效率有待改進的結論。并以綜合效率作為因變量,選取非利息收入占收入的比重、資本充足率、資產(chǎn)總額、涉農(nóng)貸款占比、存貸比、不良率、營業(yè)費用/營業(yè)收入以及職工人數(shù)為自變量,對其經(jīng)營效率高低的影響因素進行多元線性回歸分析,目的是找出最顯著的影響因素,從而提出切實有效的政策建議。實證研究的結論是:資產(chǎn)總額、職工人數(shù)、凈利潤與綜合效率呈正相關,營業(yè)費用/營業(yè)收入與綜合效率呈負相關�？梢�,經(jīng)營規(guī)模、人員配置以及盈利能力與綜合效率正向相關,而費用占比與綜合效率反向相關。
[Abstract]:Since 2003, a new round of reform of rural credit cooperatives has been launched in all parts of the country in an orderly way.It is mainly reflected in the write-off of non-performing assets, the improvement of capital adequacy ratio, the efficiency of management and the function of supporting agriculture service.However, compared with the four state-owned banks and other commercial banks in the region, there are still some shortcomings, such as the high rate of imperfection, the lack of support for agriculture and the low operating efficiency, which affect the agricultural support and sustainable development of rural credit cooperatives.As the main force supporting agriculture, rural credit cooperatives have been shouldering the important task of serving agriculture, rural areas and farmers since their establishment.Therefore, it is of great significance to establish a rural credit cooperative with good performance and promote the development of rural economy.As a special financial institution, its reform effect and development quality are related to the development of rural economy, agriculture, farmers and the security and stability of rural financial system.Therefore, it is necessary to conduct in-depth research and evaluation on the performance of rural credit cooperatives, so as to provide suggestions for the sustainable development of rural credit cooperatives and to increase support for agriculture.This study intends to make an empirical analysis of the operating performance of the Rural Credit Union in Nanping area of Fujian Province from the four aspects of loan quality, support for agriculture and service, income increase and expenditure reduction, as well as the operating efficiency of the rural credit union in Nanping area, Fujian Province from 2010 to 2015.This paper first uses descriptive statistical analysis to analyze the situation of loan quality, supporting agriculture service and increasing income and reducing expenditure vertically and horizontally, and evaluates the management performance of rural credit union in Nanping area from a qualitative point of view.Then, using the CCR model and BCC model of DEA model, taking fixed assets, total assets, operating expenses and total loans as input indicators, and taking net profit as output index, the paper makes an empirical analysis on its operating efficiency.The conclusion that the management efficiency of rural credit union in Nanping area needs to be improved.And take the comprehensive efficiency as the dependent variable, select the proportion of non-interest income in income, the capital adequacy ratio, the total assets, the proportion of agricultural loans, the ratio of deposit to loan, the bad rate, the operating expenses / operating income and the number of workers and staff as independent variables.The multivariate linear regression analysis is carried out to find out the most significant influencing factors and to put forward practical and effective policy recommendations.The conclusion of the empirical study is that the total assets, the number of employees, the net profit are positively correlated with the comprehensive efficiency, and the operating expenses / operating income are negatively correlated with the comprehensive efficiency.It can be seen that the scale of operation, staffing and profitability are positively correlated with comprehensive efficiency, while the proportion of expenses is inversely related to comprehensive efficiency.
【學位授予單位】：福建農(nóng)林大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.35

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