ASU Electronic Theses and Dissertations
This collection includes most of the ASU Theses and Dissertations from 2011 to present. ASU Theses and Dissertations are available in downloadable PDF format; however, a small percentage of items are under embargo. Information about the dissertations/theses includes degree information, committee members, an abstract, supporting data or media.
In addition to the electronic theses found in the ASU Digital Repository, ASU Theses and Dissertations can be found in the ASU Library Catalog.
Dissertations and Theses granted by Arizona State University are archived and made available through a joint effort of the ASU Graduate College and the ASU Libraries. For more information or questions about this collection contact or visit the Digital Repository ETD Library Guide or contact the ASU Graduate College at gradformat@asu.edu.
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- Language: Chinese
本文从资产规模的角度，对农村银行业金融机构的盈利能力是否存在一个最适资产规模进行分析和检验。结合既有文献的研究成果以及笔者多年从事县域农村银行业金融机构股权投资的相关检验，本文梳理出资产规模、治理结构（国企持股比例、员工持股比例）、业务管理（存贷比、成本收入比、贷款集中度、个人贷款占比、个人存款占比）和环境因素（地区经济、居民储蓄、区域人口）等会对县域农村银行业金融机构盈利能力产生影响的内外部因素，构建了农村银行业金融机构资产规模与盈利能力之间的实证模型，并基于46家县域农村银行业金融机构2013-2017年面板数据，利用非线性固定效应回归模型检验了农村银行业金融机构最优规模。
研究发现，（1）样本农村银行业金融机构的最优规模在64亿元左右，有16家处于最优规模以下。（2）居民储蓄水平的提升有助于农村银行业金融机构提高盈利能力，但同等规模条件下，居民储蓄低地区的农村银行业金融机构盈利能力更强。（3）以成本收入比为表征的农村银行业金融机构业务管理水平限制了其盈利能力提升。
关键词：农村银行业金融机构；盈利能力；资产规模；影响因素; 非线性固定效应回归模型