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Jilin rural banks operating efficiency analysis

Author: GuanMingYue
Tutor: SunQiuFeng
School: Jilin University
Course: Finance
Keywords: Rural Finance Village banks Operational efficiency Sustainable Development
CLC: F832.35
Type: Master's thesis
Year: 2011
Downloads: 565
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Abstract

Rural finance has always been the weak link in China's financial system, policy support for agriculture and rural credit cooperatives function continuously weakening the monopoly, resulting in China's rural financial market has been inefficient, state of imbalance. In order to solve the above problems, a wide range of services to meet the needs of rural areas, the rural financial market convergence between the financial markets and the entire country of the gully, rural banks came into being. From Jilin Province since the founding of the first village banks, domestic views on the future development of their ideas put forward a lot of questions, most people think that even rural banks have the advantage of new financial institutions in rural areas, but is relatively backward, diversified Jilin rural financial markets, rural banks in order to gain a foothold is still fraught with difficulties, they can give full play to its own operational efficiency according to local conditions, to bring real benefits to farmers has become the focus of attention. Jilin Province, more than the number of new rural village banks, all categories, both in the comprehensive development of supporting policies, or in the past has been a convergence of financial institutions in the country the first batch of six pilot provinces (district) in both representative , so the research of Jilin Province Rural Bank in promoting the efficiency of the operating mechanism of the domestic development of other rural banks have a good reference and guidance role. In this paper, drawing on previous research in the premise, through comparative analysis of the operating characteristics of rural banks at home and abroad, combined with rural finance theory, Jilin Province village banks operating mechanism to analyze parts of the model are given summary of the results of empirical tests description of proposed development in Jilin Province Rural Bank strategies and recommendations, and in the recent study on the basis of village banks to explore the road of sustainable development. As innovation of this paper, on the one hand, in theory, put forward flat organization model can improve the efficiency of banking operations, while reducing operating costs. This paper will explore the play flatter organizational model village banks advantage of the path. On the other hand, combined with the actual situation in Jilin Province, Jilin Province, the paper argues that rural banks should adopt asset-liability management model, rather than the popular comprehensive risk management model. Finally, the paper recommends the adoption of improved credit risk management techniques to reduce non-performing loan ratio, while reducing operating costs ratio regulatory costs, is to improve the profitability of village banks feasible path; addition, rural banks to improve liquidity risk management, reduce excess reserves accounted for ratio, will also help improve the village bank profitability. Based on the above research background and innovation, this paper introduces two village banks operating efficiency on comments relevant theoretical models, data envelopment analysis (DEA) and the SWOT analysis, the two models were analyzed through a Village Bank of Jilin Province operational efficiency, specifically as follows: (1) Bank Based on DEA Efficiency Analysis in China began late 2000s scholars have applied DEA analysis on China's commercial banks were effectively analyze operational efficiency while using this method analysis of the efficiency of rural banks are more scarce. Most of these studies use only domestic DEA's basic model, and the drawbacks of this model is that it already \To compensate for these shortcomings, this article will CCR in the previous model, based on a \DEA method is mainly rural banks by examining the input - output difference to measure the efficiency of banks, this conclusion by comparing the CCR model and super-efficient model conclusions drawn in the ultra-efficient models under each sample banks measuring the efficiency values are can be displayed. Meanwhile, according to the empirical results, we can see that six rural banks in Jilin Province the overall efficiency of uneven economic conditions, in addition to its own jurisdiction in which differences, differences in their operational efficiency is also mainly in the main business cost, the main business income, size of deposits and other aspects, the indicators configuration is better operational efficiency of rural bank resources is also higher, while the result that several rural banks with the current status of basic compliance. Thus we can conclude that, for now, that several towns and villages in Jilin Province banks, in order to improve operational efficiency and competitiveness to attract more deposits, increase capital strength, improve the income level of the main business. (2) Another reference model as SWOT, it is a method of analysis is a management professor at University of San Francisco in the 1980s Weihrieh raised, mainly through a comprehensive analysis of the competitive advantage of the enterprise itself, competitive weaknesses, opportunities and Threat concluded through internal resources, external environment combine to determine the advantages and disadvantages of the object, to understand the opportunities and challenges now facing, from a strategic and tactical level to be adjusted two ways to protect the resources to implement the object to be analyzed achieve the objectives to be achieved. In this paper, SWOT analysis Analysis of village banks in Jilin existing strengths (strength), weakness (weakness), Opportunity (opportunity) and threats (threaten), and in accordance with relevant factors identified four strategic combination, expectations can be achieved in Jilin Province Rural Bank of sustainable development goals. SO strategic combination, rural banks should take advantage of their poverty, the use of external opportunities, strengthen self-image advertising, breaking the monopoly of the existing system of rural credit limit. ST strategic combination, Jilin Province, rural banks should play a legal advantage to reduce loan approval process, optimizing lending model to provide more efficient and convenient services in this regard can learn \pattern, design a variety of loan products, and create more and better farmers loans. WO strategic portfolio to relieve internal weaknesses, seize the opportunity to seek external policy support, the current operating system of village banks in Jilin Province is still not perfect, it should strengthen internal staff training and infrastructure, local government departments should also be given to rural banks taxation, social protection, subsidies and other aspects of support to improve all aspects of village banks financial firepower. WT strategic combination, Jilin Province, rural banks should clearly lend themselves to lend scale and direction of reducing internal weaknesses, as far as possible from external threats to fight for a more favorable profit margins, especially with the main lines of cooperation initiated by addition, conditional You can also set up village banks insurance and securities business. Therefore, it can be seen from the SWOT analysis, Jilin rural banks in order to achieve sustainable development, we must accumulate credit, innovation intermediate products, the establishment of guarantee system, constantly sum up experience in the development, keep their vitality. Of course, this paper analyzes the operational efficiency of rural banks and can not summarize all the problems, the recommendations in practice there are many difficulties, but also need to combine more relevant theory and practice has proved to be successful, however, village banks in Jilin, Jilin Province Provincial finance in rural areas, creating a new idea, and created a new model for a variety of rural services for the construction of new countryside and promoting the development of rural finance throughout Jilin Province has left an indelible mark.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Financial organizations in urban and rural areas
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