外部治理对农村信用社服务能力影响的研究——基于陕西省调研数据  

The Influence Research on External Governance to Servicce Ability of Rural Credit Cooperatives——Based on Shaanxi Province' Survey Data

作　　者：王文莉[1] 张艳[1] 胡平仂 

机构地区：[1]西安理工大学经济与管理学院,陕西西安710054

出　　处：《未来与发展》2017年第5期69-76,共8页Future and Development

基　　金：国家社会科学基金项目"公司治理视角下的农村信用社服务能力提升策略研究"(14BJY104);陕西省教育厅科学研究计划项目"外部治理视角下陕西省农村信用社服务能力提升研究"

摘　　要：随着我国经济发展进入新常态,加快农村经济发展是亟待破解的一个重大问题。而在农村经济发展中有着不可估量地位且与农户关联最多的是农村信用社;因此,增强农村金融服务能力,首先就是要提升农村信用社的服务能力。而外部治理是影响农村信用社可持续经营和服务能力的重要因素。使用2009—2013年陕西省31家农村信用社的调查数据,采用面板数据进行实证分析,研究结果表明:产品市场竞争和信息披露制度对农村信用社服务能力有正面影响,政府治理对农村信用社服务能力有负面影响,而经理人市场竞争机制、资本控制权市场竞争机制对农村信用社服务能力的影响并不显著。Along with our country economic development into the new normal,promoting rural economic development is a major issue that must be broken.Rural credit cooperatives has inestimable role in rural economic development and most associated with farmers.Therefore, strengthening the rural financial service ability, first is to improve the rural credit cooperatives service ability.And external governance is an important factor affecting the sustainable management and financial service ability of rural credit cooperatives.By the use of 31 rural credit cooperatives survey of Shaanxi province data from 2009 to 2013, this paper puts to use an empirical analysis of panal data.Results showed that：the product market competition and the information disclosure system have a positive effect on rural credit cooperatives service ability,governance has negative influence to the rural credit cooperatives service ability,manager market competition mechanism,capital control and the market competition mechanism of the influence of rural credit cooperatives service ability was not significant.

关 键 词：农村信用社 服务能力 外部公司治理 

分 类 号：F832.35[经济管理—金融学]