摘要
近年来,我国村镇银行发展迅猛,快速的规模扩张导致部分地区的村镇银行违规运营现象较为严重,并产生了一定的金融风险。在此背景下,论文以村镇银行作为研究对象,定量分析了村镇银行经营风险的成因,研究村镇银行的规模扩张对经营风险的影响,并提出约束风险与规范发展的政策建议,丰富了农村金融机构风险管理的相关研究,为维护农村金融体系的健康发展提供了决策参考。论文基于我国287家村镇银行的微观数据,实证检验了村镇银行的规模扩张对经营风险的影响及作用机制。研究结果显示:村镇银行的规模扩张会通过股权集中效应、高风险投资效应和存款竞争效应等渠道推动经营风险上升;中西部地区和规模较小的村镇银行的规模扩张更容易导致风险。论文提出的政策建议是:防范村镇银行规模扩张导致的股权过度集中、风险投资偏好较高和存款市场的过度竞争;加强对中西部地区的村镇银行和规模较小的村镇银行的监督,实施差异化监管,约束村镇银行的经营风险。
In recent years,China's village banks have developed rapidly,and the rapid scale expansion of village banks has led to serious violations and financial risks in some areas.In this context,it is of great practical significance to study the impact of the scale expansion of village banks on the operational risk,and to put forward policy suggestions to restrain the risk and standardize the development.Based on the micro data of 287 village banks in China,this paper empirically examines the impact of the scale expansion of village banks on operational risk and its mechanism.The results of the study show that:the scale expansion of village banks will promote the rise of operational risk through the channels of equity concentration effect,high-risk investment effect and deposit competition effect;the scale expansion of village banks in the central and western regions and smaller scale is more likely to lead to risk.The policy recommendations are:to prevent the excessive concentration of equity,higher risky investment preference and excessive competition in the deposit market caused by the scale expansion of village banks;to strengthen the supervision of village banks in the central and western regions and smaller village banks,and to implement differentiated supervision to constrain the operational risks of village banks.
作者
马理
郭丹丹
苏玥
MA Li;GUO Dan-dan;SU Yue
出处
《农村金融研究》
北大核心
2024年第1期38-51,共14页
Rural Finance Research
基金
国家自然科学基金面上项目“发达国家货币政策跨国传导的复杂溢出效应:开放经济条件下的DSGE多国模型与VAR数据检验”(编号:72073042)的研究成果。
关键词
村镇银行
规模扩张
经营风险
实证分析
机制检验
Village Banks
Scale Expansion
Operational Risk
Empirical Analysis
Mechanism Verification
