摘要
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。
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.
出处
《财贸研究》
CSSCI
北大核心
2014年第2期116-121,共6页
Finance and Trade Research
基金
农业部软科学研究项目"新型农村金融机构发育情况调查"(Z201331)
关键词
村镇银行
经营绩效
主发起人
设立取址
village bank
business performance
main shareholders
establishment of the address
