| 摘要: |
| 农村金融机构在解决乡村振兴“钱从哪里来”的问题中具有举足轻重的作用。运用因子分析法对农村金融机构双重目标综合绩效进行量化评价，并在此基础上基于面板数据模型对农村金融机构双重目标综合绩效的影响因素进行实证分析。研究结果表明：（1）村镇银行、农村信用社和中国农业银行的双重目标综合绩效普遍高于农村商业银行和中国邮政储蓄银行；（2）各类农村金融机构双重目标综合绩效都存在一定程度的下降趋势，说明近年来农村金融机构的“离农化”现象较为严重；（3）涉农经营状况、吸收存款能力和业务创新能力具有显著的正向影响，而资本结构和信用风险对农村金融机构双重目标的综合绩效具有显著的负向影响。 |
| 关键词: 经济目标；社会目标；绩效评价；影响因素；农村金融机构 |
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| 基金项目:国家社会科学基金青年项目“乡村振兴中农村金融机构双重目标失衡与再平衡研究”（19CJY044） |
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| Double Objective Performance Evaluation and Influencing Factors of Rural Financial Institutions |
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Song Bo
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| Abstract: |
| Rural financial institutions play an important role in solving the problem of "where does money come from" in Rural Revitalization. This paper uses factor analysis method to quantitatively evaluate the double objective comprehensive performance of rural financial institutions, and on this basis, based on the panel data model, makes an empirical analysis on the influencing factors of the double objective comprehensive performance of rural financial institutions. The results show that: (1) the comprehensive performance of village banks, rural credit cooperatives and the Agriculture Bank of China is generally higher than that of rural commercial banks and the Postal Savings Bank of China; (2) the comprehensive performance of all kinds of rural financial institutions has a certain degree of decline, which indicates that the phenomenon of rural financial institutions "leaving agriculture" is more serious in recent years; (3) the status of agriculture related operations, the ability to absorb deposits and the ability of business innovation have a significant positive impact, while the capital structure and credit risk have a significant negative impact on the comprehensive performance of rural financial institutions. |
| Key words: economic goals; social goals; performance evaluation; influencing factors; rural financial institutions |
