【摘要】：長久以來,農(nóng)村金融供給不足一直是制約我國農(nóng)業(yè)與農(nóng)村經(jīng)濟發(fā)展的一道瓶頸。2006年底,村鎮(zhèn)銀行的出現(xiàn)在一定程度上較好的緩解了農(nóng)村金融供需的矛盾,但從農(nóng)村金融體系來看,村鎮(zhèn)銀行競爭能力相對較低,削弱了其在農(nóng)村金融機構(gòu)中的地位,影響了其健康可持續(xù)發(fā)展。因此,如何評價和提升村鎮(zhèn)銀行競爭力已成為我國理論界所面臨的一個重要課題。 本文以競爭力理論為基礎(chǔ),結(jié)合村鎮(zhèn)銀行自身的特征從現(xiàn)實競爭力和潛在競爭力出發(fā),選取安全性能力、盈利能力、信息技術(shù)能力、流動性能力、社會影響力、可持續(xù)發(fā)展能力、人才及業(yè)務(wù)創(chuàng)新能力、經(jīng)濟與政策環(huán)境、法人治理結(jié)構(gòu)共9個指標(biāo)構(gòu)建了競爭力評價指標(biāo)體系,運用層次分析法確定了各指標(biāo)的權(quán)重；在此基礎(chǔ)上,對我國村鎮(zhèn)銀行競爭力現(xiàn)狀進行了統(tǒng)計性描述分析,結(jié)果發(fā)現(xiàn)村鎮(zhèn)銀行的競爭力較弱,主要是由于其盈利性不強,創(chuàng)新能力不足等引起的；然后選取6家村鎮(zhèn)銀行運用綜合評價法對競爭力進行綜合評價。實證表明,村鎮(zhèn)銀行存在著安全性能力較差、盈利能力不強、社會影響力不高、信息技術(shù)水平有待提高等問題；最后指出村鎮(zhèn)銀行應(yīng)該從充分利用信息優(yōu)勢做好信用風(fēng)險防范、注重創(chuàng)新農(nóng)戶需求的產(chǎn)品和服務(wù)、提高村鎮(zhèn)銀行的社會影響力等三個方面來提高自身的競爭力。
[Abstract]:For a long time, the insufficient supply of rural finance has been a bottleneck restricting the development of agriculture and rural economy in our country. At the end of 2006, the appearance of village banks has alleviated the contradiction between supply and demand of rural finance to a certain extent. But from the point of view of rural financial system, the competitive ability of rural banks is relatively low, which weakens their position in rural financial institutions and affects their healthy and sustainable development. Therefore, how to evaluate and enhance the competitiveness of village banks has become an important subject in the theoretical circle. Based on the theory of competitiveness and the characteristics of village banks, this paper selects security ability, profit ability, information technology ability, liquidity ability, social influence from the point of view of realistic competitiveness and potential competitiveness. Sustainable development ability, talent and business innovation ability, economic and policy environment, corporate governance structure, a total of 9 indicators to build a competitiveness evaluation index system, using the Analytic hierarchy process to determine the weight of each index, on this basis, This paper makes a statistical description and analysis on the present situation of the competitiveness of village banks in China. The results show that the competitiveness of village banks is weak mainly due to their weak profitability and insufficient ability of innovation. Then 6 villages and towns banks are selected to evaluate their competitiveness by comprehensive evaluation method. The empirical results show that village banks have some problems, such as poor security ability, weak profitability, low social influence, and the level of information technology need to be improved. Finally, it points out that village banks should take full advantage of information to prevent credit risk. Emphasis should be placed on innovating the products and services needed by farmers and improving the social influence of village banks to improve their competitiveness.
【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35;F224

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