The Study On The Influence Of The Loan Structure On The Performance Of Rural Banks In Jiangsu Province

Under the dual role of market demand and national policy,the rural bank as a new type of rural financial institutions develops rapidly in recent years.From the beginning of the catfish effect,rural banks gradually show the force of the role in alleviating the contradiction between supply and demand of rural financial market and improving the rural financial market services.In the early days of the establishment,rural banks shall abide by the principle of serving "agriculture,countryside and farmers".But in the actual business operation,when facing the conflict between policy and profitability,rural banks have to consider the problem of profitability in order to ensure its sustainable operation.As an independent legal enterprise and a small commercial financial institution whose characteristics are self-management,assumption of risks,self-financing and self-discipline,the rural bank chooses loan direction in business process and allocates different loan scales for different agricultural objects,surely aiming for the profit maximization under the established loan risk.The thesis combs the loan structure and loan transaction status of rural banks in Jiangsu province,by placing emphasis on loans of rural banks.The influence of loans on the operating performance of rural banks is mainly discussed.How is the influence degree?Thereby,the thesis makes a judgment on whether the operating status of rural banks conforms to the desired goal of policy makers or not.In order to research the above problems,based on related data of 51 rural banks in 13 cities of Jiangsu province from 2011 to 2014,the thesis explores the ratio of loans of rural banks in Jiangsu province.Above funds are loaned out to the agricultural industry,rural industry and commerce,agricultural economic organization and the peasant household.From the two aspects of the profitability and the risk preventing capability,descriptive statistical analysis is made to study the relationship between loans and the operating performance.The empirical research about the above relationship focuses on the profitability dimension of rural banks.Several theoretical bases are provided for reasonable loan directions and improvement of the operating performance.There are five chapters in the thesis.The main contents and conclusions are given as follows.Based on the investigation of county rural banks in Jiangsu province,the thesis firstly researches the effect of industrial orientation of loans on the operating performance of rural banks.Combining statistical results and empirical results,for the credit support on different industries,the thesis obtains that the proportion of agricultural loans has a negative impact on the performance of rural banks.Secondly,based on the empirical research about the relationship between different lending subjects and operating performance of rural banks in Jiangsu province,the thesis finds that for credit support on different business subjects,the proportion of farmers' loans has a positive impact on the operating performance of rural banks when the rural banks choose the loan direction because currently the majority of farmers obtain loans for non-farm production and operation.Finally,from two aspects of the government's policy support and rural banks' own operation and practice,the thesis makes suggestions on how to optimize rural banks'operating performance and improve the profitability of rural banks.