事业部改制对信贷配置效率影响的研究——以农业银行三农金融事业部为例  

Research on the Influence of Division Restructuring on Credit Allocation Efficiency——Take Agricultural Bank of China,Sannong Department as an Example

作　　者：罗建章 周立[1] LUO Jian-zhang;ZHOU Li

机构地区：[1]中国人民大学农业与农村发展学院

出　　处：《农村金融研究》2020年第11期58-66,共9页Rural Finance Research

基　　金：中央高校基本科研业务费专项资金资助项目(编号:20XNL012)的阶段性研究成果。

摘　　要：事业部制改革是效率增进还是效率损耗?这一问题伴随三农金融事业部改革至今但仍未取得一致的认识。论文突破经典组织理论的局限,从信贷决策权的视角,通过经济学分析和农业银行三农金融事业部改革的纵向案例,解释了事业部改制优化了信贷决策权配置,降低了信贷决策成本,进而提升信贷配置效率的作用机理,论证了效率增进说。因此,论文认为,探寻中国农村金融未来的出路,应超越体系之争、道路之争,聚焦到机构自身的内部治理上,将有助于农村金融机构兼顾多元目标,在激烈的县域市场竞争中实现可持续发展。Does divisional system reform is Efficiency Improving or Efficiency Loss?There is still no consensus on this issue.This paper breaks the limitations of the classical Organization Theory,from the Angle of Credit Decision-right,through economic analysis and longitudinal case of the ABC’s Sannong Department Reform,explains the optimize configuration of the credit decision-right group restructuring,reduces the cost of credit decisions,and the mechanism of improving credit allocation efficiency,demonstrates the Efficiency Improvement View.Therefore,this paper argues that to explore the future way out of China's rural finance,we should go beyond the dispute of system and road,and focus on the internal governance of institutions themselves,which will help rural financial institutions take into account multiple goals and achieve sustainable development in the fierce competition in the county market.

关 键 词：信贷决策权 事业部制 配置效率 三农金融事业部 

分 类 号：F271[经济管理—企业管理] F832.33[经济管理—国民经济] F832.4