本文選題：村鎮銀行　切入點：盈利能力　出處：《山西財經大學》2015年碩士論文

【摘要】：“三農”問題一直是國家關注的重點問題。近年來，隨著新農村建設和農村城鎮化步伐的加速，農村金融資源的供給顯得越來越不足，嚴重阻礙了我國現代化建設的步伐，為此國家出臺了一系列政策,適度放寬農村地區金融機構的準入。2007年，在政府的大力支持和推動下，設立了新型農村金融機構——村鎮銀行，并且規模和數量迅速增加，取得了令人矚目的成效，成為我國新型農村金融機構的重要組成部分。 村鎮銀行屬于公司制金融機構，擁有獨立的企業法人資格。股權結構作為村鎮銀行制度的核心組成部分，對其盈利能力產生重要影響。現階段，我國村鎮銀行實行主發起行制度，股權結構高度集中，造成籌資來源單一；大部分村鎮銀行依附于主發起行，獨立性喪失，偏離市場定位，自主創新能力不足，這些都是現階段我國村鎮銀行存在的問題。 本文在對村鎮銀行概念簡要闡述的基礎上，著重對本文的研究重點——盈利能力與股權結構進行了詳盡解讀，并對股權結構與盈利能力二者之間的關系進行了闡述。隨后，通過對當前我國村鎮銀行盈利能力與股權結構現狀進行分析，得出村鎮銀行在盈利能力與股權結構方面存在的問題，同時還得出了股權結構現狀對盈利能力的影響。為使得闡述更加明晰和有說服力，本文選取山西省內16家村鎮銀行作為研究樣本，運用多元線性回歸模型，對股權結構與盈利能力之間的關系進行了實證研究。借鑒國內外金融機構股權結構與盈利能力的經驗，，最后，根據結論，對我國村鎮銀行如何完善股權結構，提高盈利能力提出切實可行的建議措施，既要合理構建適度集中的股權結構，同時又要保證股權結構形式多樣；而且也要國家為村鎮銀行的發展創造一適宜的發展環境。
[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.
【學位授予單位】：山西財經大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.35;F830.42

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