股权集中度、地方政府干预与村镇银行信用风险  

Ownership Concentration, Local Government Intervention and Credit Risk of Rural Banks

作　　者：蒋军成[1] 葛立伟 黄轲[1] JIANG Jun-cheng;GE Li-wei;HUANG Ke

机构地区：[1]武汉工程大学管理学院

出　　处：《农村金融研究》2024年第10期52-65,共14页Rural Finance Research

基　　金：国家社会科学基金一般项目“抗疫背景下我国公立医院财政补偿绩效及其风险治理研究”(编号:22FGLB078);湖北省社会科学基金一般项目“乡村振兴战略下湖北农业供应链金融风险防范化解机制建设研究”(编号:2021124)的阶段性研究成果。

摘　　要：为增加农村金融供给,村镇银行应运而生,但其信用风险较为突出,部分省份村镇银行暴雷事件频发,容易引发系统性风险。论文构建影响信用风险的非平衡面板模型,运用全国110家村镇银行2014至2022年的数据,实证分析股权集中度与地方政府干预对村镇银行信用风险的影响机理。研究结果显示:第一,村镇银行的股权集中度对其信用风险产生正向影响,贷款集中度在其中发挥了中介作用。第二,地方政府干预对村镇银行信用风险产生正向影响,信贷规模在其中发挥了中介作用。论文借鉴风险治理理论,从调整股权集中度、完善治理机制、提高准入门槛、减轻地方政府干预、完善外部监管体系等方面,提出优化村镇银行信用风险的治理路径,助推乡村振兴战略的实施。In order to increase the rural financial supply, village banks were born but whose credit risk were more prominent and some provinces village banks had frequent lightning incidents which was easy to cause systemic risks.This paper constructed a non-equilibrium panel model affecting credit risk and analyzed the influence mechanism of ownership concentration and local government intervention on credit risk of rural banks by using the data of 110rural banks from 2014 to 2022 empirically. The results shew that:(1) the ownership concentration of rural banks had a positive impact on their credit risk;The loan concentration played an intermediary role.(2) Local government intervention had a positive impact on the credit risk of rural banks while the scale of credit played an intermediary role. So this paper optimized the governance path of credit risk of rural banks from the aspects of adjusting equity concentration, improving governance mechanism, raising access threshold, alleviating local government intervention and improving external supervision system to promote the realization of rural revitalization strategy based on the risk governance theory.

关 键 词：农村金融 村镇银行 股权集中度 信用风险 风险治理 

分 类 号：F832[经济管理—金融学]