摘要
运用因子分析法对河北省村镇银行的经营绩效进行评价,并通过相关性检验和聚类分析研究河北省村镇银行的金融创新能力与经营绩效的关系。实证结果表明,村镇银行户均贷款与资本充足率负相关,小微企业贷款比例与村镇银行收益水平负相关。聚类分析发现,在33家样本村镇银行中,步入良性发展轨道的村镇银行只有3家,大部分村镇银行还没有实现创新发展与经营绩效的双赢。
Evaluate the business performance of village and township banks in Hebei Province by factor analysis, and study the relationship between financial innovation capability and business performance of village and township banks by correlation test and cluster analysis. The empirical results show that there are negative correlations between average loan size and capital adequacy ratio, negative correlations between the proportion of small and micro businesses loans and earnings level of village and township banks. Cluster analysis show that there are 3 village and township banks have pulled into a healthy development path only in the 33 samples, most village and township banks have not realized win-win between innovation and business performance.
作者
李吉栋
王重润
Li Jidong Wang Chongrun(Finance School, Hebei University of Economics and Business, Shijiazhuang 050061, China)
出处
《经济与管理》
CSSCI
2017年第5期44-48,共5页
Economy and Management
基金
河北省高等学校科学研究计划项目(ZD201415)
关键词
村镇银行
金融创新能力
经营绩效
因子分析
聚类分析
village and township bank, financial innovation capability, business performance, faetor analysis, cluster analysis
