本文以竞争力理论为基础，结合中部地区农村信用合作联社实际情况，构建了
中部地区农村信用合作联社竞争力的评价指标体系。在本文中笔者将中部地区农村
信用合作联社竞争力指标体系设计为包含安全能力、盈利能力、流动能力和可持续
发展能力四个一级指标以及不良贷款率等十六个二级指标。通过综合分析与比较，
笔者认为安全能力一级指标包括不良贷款率、资本充足率、拨备覆盖率、最大单一
客户贷款集中度四个二级指标，盈利能力一级指标包括成本收入比、资产利润率、
年利润增长率、资本利润率四个二级指标，流动能力一级指标包括流动性比率、存
贷款比率、现金资产比率、超额备付金率四个二级指标，可持续发展能力一级指标
包括总资产增长率、本科以上学历员工占比、存款增长率、贷款增长率四个二级指
标。 在此基础之上，运用层次分析方法确定了各指标在竞争力指标体系中所占的权
重，随后选取了河南省 Z 市五家县（区）农村信用合作联社的运营数据进行了实证
分析和评价，找出了如何评价中部地区不同县（区）农村信用合作联社之间竞争力
的方法。通过研究我们发现，影响中部地区农村信用合作联社竞争力的主要因素是
安全能力、盈利能力和流动能力，最后指出中部地区农村信用合作联社应该从努力
提高资本充足率、积极采取多种措施消化不良贷款、降低经营成本，努力拓宽盈利
渠道、大力计提拨备等方面来提高其综合竞争力
关键词：中部地区 农村信用合作联社 竞争力评价 层次分析法II
Abstract
China has been undergoing disparities between rural and urban regions and backward
rural development from the economic perspective. In recent years, the central government
has been working on a wide array of countermeasures in order to provide more supports to
agriculture and drive rural economic development. As a major rural financial player, rural
credit cooperative has been functioning well in many aspects, like serving Three Rural
Issues (agriculture, rural areas and farmers), improving people&39;s livelihood and undertaking
poverty alleviation with clear and definite objectives, etc. However, as the rural financial
system experiences deeper reform and the central government continuously encourages
financial institutions with various types of ownership to enter into the rural financial
market, rural credit cooperative holds no longer the dominant position in the market which
witnesses increasingly fierce competition, in which case rural credit cooperative is
confronting with unprecedented challenges. Such fierce competition turns research on
competitiveness appraisal of rural credit cooperatives into a more important issue. How to
appraise and improve competitiveness of rural credit cooperatives has become a key issue
facing our theoretic researchers in China.
This thesis, based on theory of competitiveness and realities of rural credit
cooperatives in the central regions, conceives an appraisal index system which aims at
competitiveness of rural credit cooperatives in the central regions. The system conceived
herein consists of 4 Class-I indexes including capability in safety, profitability, liquidity
and sustainability, and 16 Class-II indexes including non-performing loan ratio. According
to a comprehensive analysis and comparison, I am convinced that the Class-I indexes of
capability in safety include 4 Class-II indexes: non-performing loan ratio, capital adequacy
ratio, provision coverage ratio, concentrations of credit released to the largest debtor,
Class-I indexes of capability in profitability include 4 Class-II indexes: cost-income ratio,
return on assets, annual profit growth rate and profit ratio of capital, Class-I indexes of
capability in liquidity include 4 Class-II indexes: liquidity ratio, deposit-to-loan ratio, cash
asset ratio and excess reserve ratio, Class-I indexes of capability in sustainability include 4III
Class-II indexes: growth rate of total assets, proportion of staff having college-level or
higher degree, deposit growth rate and loan growth rate. On this basis mentioned above, I
adopted analytic hierarchy process to determine weighting of all indexes to the index
system, and collected operating data from 5 county-level rural credit cooperatives of Z City
in Henan Province to conduct empirical analysis and appraisal, find out how to evaluate the
competitiveness of rural credit cooperative associations in different counties in Central
China. The research contained herein has shown that competitiveness of rural credit
cooperatives in the central regions is mainly subject to capabilities in safety, profitability
and liquidity. It is concluded that rural credit cooperatives in the central regions need to
improve capital adequacy ratio, proactively take various measures to deal with
non-performing credit, reduce operating costs, expand profit-making channels and prepare
accrual and provision well so as to improve the overall competitiveness.
Keywords: Midland Rural Credit Cooperatives Competitiveness Evaluation
Analytic Hierarchy ProcessIV
目 次
第一章导论..........1
1.1 选题背景及意义...1
1.1.1 选题背景....1
1.1.2 研究意义.....1
1.2 文献综述....2
1.2.1 国外研究现状.........2
1.2.2 国内研究现状.........4
1.3 对现有研究的总结和评价...........6
1.4 研究思路与方法....7
1.4.1 研究思路....7
1.4.2 研究方法....8
1.5 本论文的创新点和不足....9
1.5.1 本论文的创新点.....9
1.5.2 本论文的不足与下一步努力方向.9
第二章研究的理论基础及相关概念界定.10
2.1 相关概念界定.....10
2.1.1 竞争力.......10
2.1.2 商业银行竞争力.
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