不同类型农村中小金融机构绩效的决定——基于浙江省的研究  

The Decision of Performance of Different Types of Rural Small and Medium-sized Financial Institutions

作　　者：傅昌銮[1] 

机构地区：[1]浙江外国语学院国际商学院,杭州310012

出　　处：《农业经济问题》2015年第5期71-77,111,共7页Issues in Agricultural Economy

基　　金：浙江省哲学社会科学规划课题"农村新型金融机构风险管理问题研究--基于浙江的实证"(编号:13NDJC050YB);浙江省151人才工程第三层次培养基金;浙江外国语高层次人才第二梯队基金的资助

摘　　要：本文通过分析2010—2012年浙江省农村中小金融机构的数据发现,不同类型的农村中小金融机构经营绩效的决定因素具有显著的差异性。农村银行的X—效率以及市场集中度对其经营绩效均有显著正向作用,但市场份额影响并不明显;同时,存在一定的"安逸生活"假说现象。农村信用社绩效的提升主要是由于其效率的提高,并且"效率结构"假说得到很好的验证;村镇银行作为新型农村金融机构,经营绩效的决定还没有具体的关系可循;小额贷款公司的市场—效率—绩效之间的关系属于典型的"相对市场力量"假说。新型农村中小金融机构与传统金融机构的经营有着明显的差异,需根据其各自特点区别对待。Through analysis of rural small and medium-sized financial institutions in Zhejiang province with the data of 2010-2012,we found that the decision about operating performance from different types of rural small and medium-sized financial institutions has significant difference.The X- efficiency of rural bank and the degree of market concentration has significantly positive role in promoting business performance,but the market share of influence is not obvious;At the same time,there is a certain 'comfortable life' hypothesis.The improvement of performance of rural credit cooperatives mainly dues to its efficiency,and it gets a good 'efficient structure hypothesis'.As a new type of rural financial institutions,the decision of the business performance of village banks has no detailed relationship to follow.In addition,the relationship among market- efficiency- performance of small loan companies belongs to the typical ' relative market power' hypothesis.The operating management between the new types and the traditional ones about rural small and medium-sized financial institutions has obvious differences.We should treat them differently according to their respective characteristics.

关 键 词：农村金融 中小金融机构 市场结构 X-效率 经营绩效 

分 类 号：F832.35[经济管理—金融学]