摘要
上市融资是农村商业银行扩充资本实力、提升自身经营管理水平以及提升服务“三农”实践能力的重要途径。基于14家上市农村商业银行近两年的财务数据,采用因子分析法对其经营绩效进行评价和比较分析,运用多元回归模型对影响绩效的因素进行深入分析。结果发现,综合实力较强的农村商业银行是汇通农商行、常熟农商行和重庆农商行;绝大多数农村商业银行的盈利能力都有所提升;新三板上市的农村商业银行发展能力明显高于主板上市的农村商业银行;农村商业银行经营绩效正相关因素为当地经济发展水平、农村居民人均可支配收等,与农村商业银行绩效负相关的指标有贷款集中度、贷款规模、非利息收入水平等。据此,从加强监督管理、优化资产结构、拓展业务范围、创新产品服务等方面提出农村商业银行进一步发展的建议。
Listing financing is an important way for rural commercial banks to expand their capital strength,improve their management level and enhance their practical ability to serve"agriculture,rural areas and farmers".Based on the financial data of 14 listed rural commercial banks in the past two years,this paper adopts factor analysis method to evaluate and compare their operating performance,and uses multiple regression model to further analyze the factors affecting performance.The results show that the rural commercial banks with strong comprehensive strength are Huitong Rural Commercial Bank,Changshu Rural commercial Bank and Chongqing Rural commercial Bank.The profitability of most rural commercial banks has improved;The development capacity of rural commercial banks listed on the New Third Board is significantly higher than that of rural commercial banks listed on the main board.The operating performance of rural commercial banks is positively correlated with the level of local economic development and the per capita disposable income of rural residents,while the indicators negatively correlated with the performance of rural commercial banks include loan concentration,loan scale and non-interest income.Based on this,suggestions are put forward for the further development of rural commercial banks from the aspects of strengthening supervision and management,optimizing asset structure,expanding business scope and innovating products and services.
作者
袁雪婵
陈默
于欣慧
YUAN Xue-chan;CHEN Mo;YU Xin-hui(Hebei Agricultural University,Baoding Hebei 071000,China)
出处
《河北软件职业技术学院学报》
2021年第4期55-61,共7页
Journal of Hebei Software Institute
基金
2021年度河北省软科学研究课题(20557501D)
河北农业大学社科基金项目(ZB201704)
河北省人力资源和社会保障课题(JRS-2021-3212)。
关键词
农村商业银行
上市融资
经营绩效
因子分析
回归分析
rural commercial bank
public financing
business performance
factor analysis
regression analysis
