银行组织结构、代理成本与农村小银行的普惠金融服务能力:安徽省郎溪县的案例分析  

Bank Organizational Structure, Agency Costs and the Inclusive Financial Services of Small Rural Banks:A Case Study of Langxi County in Anhui Province

作　　者：粟勤[1] Su Qin(School of Finance, University of International Business and Economics, Beijing 100029, China)

机构地区：[1]对外经济贸易大学金融学院,北京100029

出　　处：《当代经济管理》2019年第1期91-97,共7页Contemporary Economic Management

基　　金：国家社会科学基金项目<基于金融包容视角的银行业市场结构与优化设计研究>(15BJL027)

摘　　要：乡村振兴离不开银行的贷款支持,银行贷款却需要处理好银行内外部一系列代理关系。文章从代理理论和小微企业贷款的异质性特征出发,构建一个银行内部信息距离影响小微企业贷款代理成本的理论框架,分析不同规模银行小微企业贷款能力,并讨论技术进步与银行监管对代理成本的影响。安徽省郎溪县的案例分析表明,农村小银行信息距离更短,组织不经济程度更小,代理成本更低,具有更强的普惠金融服务能力。To play an important role in rural development, banks have to deal with a series of agency relationships. Based on the non-standardization of small and mirco business loans, this paper constructs a theoretical framework using agency theory to analyze the agency costs of large and small banks in lending to small and micro businesses. It also discusses the impact of technology improvement and bank regulation on agency costs. The case study of Langxi County, Anhui Province shows that small rural banks have better financial inclusive services abilities due to their shorter informational distance and lower agency costs.

关 键 词：银行组织结构 代理成本 小微企业贷款 普惠金融(金融包容) 信息距离 

分 类 号：F832[经济管理—金融学]