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

【摘要】：隨著我國經(jīng)濟(jì)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(jì)又好又快發(fā)展的一個(gè)重要因素，從長遠(yuǎn)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(jìn)新農(nóng)村建設(shè)中發(fā)揮著重要作用，已成為支持當(dāng)?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(duì)策建議也已引起學(xué)術(shù)界和業(yè)界的普遍關(guān)注。因此對(duì)上述問題進(jìn)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(duì)影響我國村鎮(zhèn)銀行績效的因素進(jìn)行實(shí)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(duì)其發(fā)展概況以及目前發(fā)展過程中存在的問題進(jìn)行了簡要的描述；之后對(duì)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(jìn)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(jìn)的思路與激勵(lì)約束機(jī)制；接著以我國799家村鎮(zhèn)銀行為研究對(duì)象，利用截面數(shù)據(jù)從盈利能力和風(fēng)險(xiǎn)管理兩個(gè)指標(biāo)建立多元回歸模型，，實(shí)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(duì)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(qiáng)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(gè)方面入手，可以有效改善我國村鎮(zhèn)銀行的現(xiàn)狀，促進(jìn)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(xué)位授予單位】：華南理工大學(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 趙芳;法人治理結(jié)構(gòu)的模式比較與現(xiàn)實(shí)選擇[J];財(cái)經(jīng)科學(xué);1999年03期

2 高曉燕;孫曉靚;;我國村鎮(zhèn)銀行可持續(xù)發(fā)展研究[J];財(cái)經(jīng)問題研究;2011年06期

3 柴瑞娟;;村鎮(zhèn)銀行股權(quán)結(jié)構(gòu)研究[J];法學(xué)雜志;2010年02期

4 劉永寧;;淺談發(fā)起行對(duì)村鎮(zhèn)銀行的垂直風(fēng)險(xiǎn)管理[J];銀行家;2012年04期

5 劉永寧;;村鎮(zhèn)銀行管理總部設(shè)置芻議[J];銀行家;2010年11期

6 王健安;;論村鎮(zhèn)銀行法人治理結(jié)構(gòu)的問題與對(duì)策[J];宏觀經(jīng)濟(jì)研究;2010年06期

7 秦宛順,歐陽俊;中國商業(yè)銀行業(yè)市場結(jié)構(gòu)、效率和績效[J];經(jīng)濟(jì)科學(xué);2001年04期

8 王曙光;;產(chǎn)權(quán)和治理結(jié)構(gòu)約束、隱性擔(dān)保與村鎮(zhèn)銀行信貸行為[J];經(jīng)濟(jì)體制改革;2009年03期

9 程昆;吳倩;儲(chǔ)昭東;;略論我國村鎮(zhèn)銀行市場定位及發(fā)展[J];經(jīng)濟(jì)問題;2009年02期

10 徐忠;沈艷;王小康;沈明高;;市場結(jié)構(gòu)與我國銀行業(yè)績效:假說與檢驗(yàn)[J];經(jīng)濟(jì)研究;2009年10期

本文編號(hào)：2085220