發(fā)布時(shí)間：2018-03-30 11:49

  本文選題：村鎮(zhèn)銀行　切入點(diǎn)：盈利能力　出處：《山西財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：“三農(nóng)”問(wèn)題一直是國(guó)家關(guān)注的重點(diǎn)問(wèn)題。近年來(lái)，隨著新農(nóng)村建設(shè)和農(nóng)村城鎮(zhèn)化步伐的加速，農(nóng)村金融資源的供給顯得越來(lái)越不足，嚴(yán)重阻礙了我國(guó)現(xiàn)代化建設(shè)的步伐，為此國(guó)家出臺(tái)了一系列政策,適度放寬農(nóng)村地區(qū)金融機(jī)構(gòu)的準(zhǔn)入。2007年，在政府的大力支持和推動(dòng)下，設(shè)立了新型農(nóng)村金融機(jī)構(gòu)——村鎮(zhèn)銀行，并且規(guī)模和數(shù)量迅速增加，取得了令人矚目的成效，成為我國(guó)新型農(nóng)村金融機(jī)構(gòu)的重要組成部分。 村鎮(zhèn)銀行屬于公司制金融機(jī)構(gòu)，擁有獨(dú)立的企業(yè)法人資格。股權(quán)結(jié)構(gòu)作為村鎮(zhèn)銀行制度的核心組成部分，對(duì)其盈利能力產(chǎn)生重要影響。現(xiàn)階段，我國(guó)村鎮(zhèn)銀行實(shí)行主發(fā)起行制度，股權(quán)結(jié)構(gòu)高度集中，造成籌資來(lái)源單一；大部分村鎮(zhèn)銀行依附于主發(fā)起行，獨(dú)立性喪失，偏離市場(chǎng)定位，自主創(chuàng)新能力不足，這些都是現(xiàn)階段我國(guó)村鎮(zhèn)銀行存在的問(wèn)題。 本文在對(duì)村鎮(zhèn)銀行概念簡(jiǎn)要闡述的基礎(chǔ)上，著重對(duì)本文的研究重點(diǎn)——盈利能力與股權(quán)結(jié)構(gòu)進(jìn)行了詳盡解讀，并對(duì)股權(quán)結(jié)構(gòu)與盈利能力二者之間的關(guān)系進(jìn)行了闡述。隨后，通過(guò)對(duì)當(dāng)前我國(guó)村鎮(zhèn)銀行盈利能力與股權(quán)結(jié)構(gòu)現(xiàn)狀進(jìn)行分析，得出村鎮(zhèn)銀行在盈利能力與股權(quán)結(jié)構(gòu)方面存在的問(wèn)題，同時(shí)還得出了股權(quán)結(jié)構(gòu)現(xiàn)狀對(duì)盈利能力的影響。為使得闡述更加明晰和有說(shuō)服力，本文選取山西省內(nèi)16家村鎮(zhèn)銀行作為研究樣本，運(yùn)用多元線性回歸模型，對(duì)股權(quán)結(jié)構(gòu)與盈利能力之間的關(guān)系進(jìn)行了實(shí)證研究。借鑒國(guó)內(nèi)外金融機(jī)構(gòu)股權(quán)結(jié)構(gòu)與盈利能力的經(jīng)驗(yàn)，，最后，根據(jù)結(jié)論，對(duì)我國(guó)村鎮(zhèn)銀行如何完善股權(quán)結(jié)構(gòu)，提高盈利能力提出切實(shí)可行的建議措施，既要合理構(gòu)建適度集中的股權(quán)結(jié)構(gòu)，同時(shí)又要保證股權(quán)結(jié)構(gòu)形式多樣；而且也要國(guó)家為村鎮(zhèn)銀行的發(fā)展創(chuàng)造一適宜的發(fā)展環(huán)境。
[Abstract]:The issue of agriculture, rural areas and farmers has always been the focus of national attention.In recent years, with the acceleration of new rural construction and rural urbanization, the supply of rural financial resources is becoming more and more insufficient, which seriously hinders the pace of our country's modernization. For this reason, the country has issued a series of policies.In 2007, with the support and promotion of the government, a new type of rural financial institution, Village and Town Bank, was set up, and the scale and quantity of it increased rapidly, and remarkable results were achieved.It has become an important part of new rural financial institutions in China.The village bank belongs to the company system financial institution, has the independent enterprise legal person qualification.As the core part of the village bank system, equity structure has an important influence on its profitability.At this stage, the village bank of our country implements the system of the main initiating bank, the ownership structure is highly concentrated, resulting in a single source of financing; most of the village banks depend on the main initiating bank, lose their independence, deviate from the market orientation, and lack the ability of independent innovation.These are the problems existing in the village banks of our country at the present stage.On the basis of a brief description of the concept of village bank, this paper focuses on the detailed interpretation of the research focus of this paper-profitability and equity structure, and expounds the relationship between equity structure and profitability.Then, by analyzing the current situation of profitability and equity structure of village banks in China, the problems in profitability and equity structure of village banks are obtained, and the influence of the status quo of equity structure on profitability is also obtained.In order to make the explanation more clear and persuasive, this paper selects 16 village banks in Shanxi Province as the research sample, and makes an empirical study on the relationship between equity structure and profitability by using multiple linear regression model.Based on the experience of domestic and foreign financial institutions' equity structure and profitability, and finally, according to the conclusion, the paper puts forward some practical suggestions on how to improve the ownership structure and improve the profitability of our country's village and town banks.It is not only necessary to reasonably construct a moderately concentrated equity structure, but also to ensure that the ownership structure is diversified, and that the country should create a suitable development environment for the development of village banks.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.35;F830.42

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