财贸研究
財貿研究
재무연구
Finance and Trade Research
2014年
2期
116~121
,共null页
村镇银行 经营绩效 主发起人 设立取址
村鎮銀行 經營績效 主髮起人 設立取阯
촌진은행 경영적효 주발기인 설립취지
village bank; business performance ; main shareholders; establishment of the address
选取江苏省自试点以来设立的54家村镇银行作为研究样本,运用非平衡面板模型,实证分析村镇银行的主发起人类型、设立取址与经营绩效之间的关系。结果表明：农村金融机构作为主发起人设立的村镇银行,其经营绩效高于其他类型银行为主发起人的村镇银行,尤其是在经济欠发达地区这种差异性更加显著;设立取址对村镇银行的经营绩效有显著影响,经济发达地区的金融市场竞争激烈,其村镇银行的经营绩效明显低于经济欠发达地区。因此,村镇银行的设立应更多考虑选择能够发挥其优势的经济欠发达地区,为此,应进一步放宽对主发起人资格的限制规定,允许和引导熟悉当地经济结构、产业优势和金融需求特征的民间资本充分发挥其地缘优势,积极参与村镇银行的设立和经营。
選取江囌省自試點以來設立的54傢村鎮銀行作為研究樣本,運用非平衡麵闆模型,實證分析村鎮銀行的主髮起人類型、設立取阯與經營績效之間的關繫。結果錶明：農村金融機構作為主髮起人設立的村鎮銀行,其經營績效高于其他類型銀行為主髮起人的村鎮銀行,尤其是在經濟欠髮達地區這種差異性更加顯著;設立取阯對村鎮銀行的經營績效有顯著影響,經濟髮達地區的金融市場競爭激烈,其村鎮銀行的經營績效明顯低于經濟欠髮達地區。因此,村鎮銀行的設立應更多攷慮選擇能夠髮揮其優勢的經濟欠髮達地區,為此,應進一步放寬對主髮起人資格的限製規定,允許和引導熟悉噹地經濟結構、產業優勢和金融需求特徵的民間資本充分髮揮其地緣優勢,積極參與村鎮銀行的設立和經營。
선취강소성자시점이래설립적54가촌진은행작위연구양본,운용비평형면판모형,실증분석촌진은행적주발기인류형、설립취지여경영적효지간적관계。결과표명：농촌금융궤구작위주발기인설립적촌진은행,기경영적효고우기타류형은행위주발기인적촌진은행,우기시재경제흠발체지구저충차이성경가현저;설립취지대촌진은행적경영적효유현저영향,경제발체지구적금융시장경쟁격렬,기촌진은행적경영적효명현저우경제흠발체지구。인차,촌진은행적설립응경다고필선택능구발휘기우세적경제흠발체지구,위차,응진일보방관대주발기인자격적한제규정,윤허화인도숙실당지경제결구、산업우세화금융수구특정적민간자본충분발휘기지연우세,적겁삼여촌진은행적설립화경영。
Using unbalanced panel data model, this paper selects Jiangsu village banks as samples to analyze relationship between the main shareholders type, the establishment of the address and business per- formance of the village banks. The empirical results show that： （ 1 ） The business performance of village banks established by rural financial institutions is higher than that of other main shareholders types, the difference is especially more significant in economically underdeveloped areas; （2） The establishment of the address has a significant impact on the business performance of village banks, the financial market competi- tion of economic developed area is intense, and the village banks＇ business performance are significantly lower than those in underdeveloped areas. Therefore, the establishment of village banks should consider more of the underdeveloped areas which could take advantages of, further relaxation of restrictions on the qualifications of the main shareholders should be taken by the government, allowing and guiding private capital which is familiar with local economic structure, industrial advantages and fmancial demands of the local places to take its full geographical advantages, and to make private capital participate actively in the establishment and development of village banks.
