摘要
村镇银行是服务乡村振兴的重要力量,结构性重组有利于降低村镇银行脆弱性,促进其高质量发展。基于多任务委托代理理论,使用全局主成分分析法测算村镇银行的脆弱性,实证检验内外部因素对村镇银行脆弱性的影响。结果表明:内部因素方面,集中的股权结构、扁平式公司治理结构有助于降低村镇银行脆弱性,人才培养机制与主发起行服务“三农”的经验在村镇银行实现多重经营目标中发挥着重要作用;外部因素方面,县域农业规模的扩大、金融服务环境的优化有利于抑制村镇银行脆弱性的积累。且劳动密集型农业产业占比越高,村镇银行的发展空间越大。鉴于此,应推动主发起行完善村镇银行公司治理,实施差异化贷款政策,改善农村金融服务生态。
Village banks are important force in serving rural revitalization,and structural restructuring is conducive to reducing the vulnerability of village banks and promoting high-quality development.Based on the multi-task principal-agent theory,this paper uses the global principal component analysis method to measure the vulnerability of village banks,and empirically test the influence of internal and external factors on the vulnerability of village banks.The results show that internal factors,such as centralized shareholding structure and flat corporate governance structure,help reduce the vulnerability of village banks.Talent cultivation mechanism and the experience of the main initiated bank in serving agriculture,rural areas and farmers play an important role in achieving multiple business objectives of village banks.As for external factors,the expansion of agricultural scale in the county and the optimization of financial service environment are conducive to curbing the accumulation of vulnerability of village banks.Moreover,the higher the proportion of labor-intensive agricultural industries,the more room for development of village banks.In view of this,it is appropriate to promote the main initiated banks to improve the corporate governance of village banks,implement differentiated lending policies and improve the rural financial services ecosystem.
作者
周孟亮
王立聪
ZHOU Meng-liang;WANG Li-cong(School of Economics,Hunan Agricultural University,Changsha410128,China)
出处
《经济体制改革》
CSSCI
北大核心
2023年第6期100-107,共8页
Reform of Economic System
基金
国家社会科学基金一般项目“可持续性金融扶贫模式构建研究”(18BJY160)
湖南省社会科学成果评审委员会课题“普惠金融高质量发展促进共同富裕的路径优化研究”(XSP2023GLZ016)
湖南省自然科学基金项目“家庭农场融资约束纾解的‘双保险’模式:作用机理与效应研究”(2023JJ30314)。
关键词
村镇银行
银行脆弱性
结构性重组
影响因素
village banks
bank vulnerability
structural restructuring
influencing factors
