中国农村商业银行盈利能力影响因素实证研究

农村商业银行是农村金融改革的产物,是社会主义新农村建设不可缺少的金融力量。而农村商业银行良好的盈利能力是其发展的基础。本文总结了影响农商行盈利能力的因素,主要有资产规模、业务结构、成本费用、银行风险和地理环境。通过AHP（层次分析法）定量分析了这些因素对盈利能力的影响程度,进而提出合理控制资产规模、优化业务结构、控制成本费用、合理控制风险和提供特色化服务等增加银行盈利能力的建议。

Empirical Research of Influencing Factors of Rural Commercial Bank Profitability in China

Rural commercial bank is the product of the rural finance reform.Meanwhile,it is the essential financial strength to the construction of the new socialist countryside.The profitability of the rural commercial bank is the basis of the development of the banks.The paper concluded the main factors including the asset size,the business structure,the cost,the bank risk and the geographical environment which affected the profitability of the rural commercial bank.Besides,the paper analyzed the impacts of these factors on the profitability with the Analytic Hierarchy Process.Controlling the asset size,optimizing business structure,controlling the cost and the risk,providing the special service are the suggestions to increase the profitability of the banks.