投研信评能力对中小农商银行金融市场业务效益的影响分析——以浙江农商银行系统为例

The Efffect of Investment Research&Credit Rating Capability on Financial Market Business Benefits of Small and Medium-sized Rural Commercial Banks——Take Zhejiang Rural Credit Union as an Example

商业银行金融市场业务面临较为严峻的外部风险形势和内外部多重约束条件,所以有必要培育自主可控的投研信评能力。2018年以来,浙江农商联合银行在培育金融市场业务投研信评能力方面已进行了积极实践。为检验投研信评这类智力资本要素与中小农商银行金融市场业务效益的影响关系,本文以浙江农商银行系统相关数据为样本,构建了回归模型,分析得到两者存在的显著正相关关系并进行论证。基于上述论证,本文运用层次分析法(AHP)构建了投研信评能力综合评价指数,并提出中小农商银行应重视智力资本的集聚与运用,投研信评的集约化运作可尝试两种机制,即:“柔性组织、协同办公”与“人才汇集、统一输出”。

The financial market business of commercial banks is faced with relatively severe external risk situation and multiple internal and external constraints,so it is necessary to cultivate independent and controllable capability of investment research and credit rating.Since 2018,Zhejiang Rural Commercial United Bank has carried out active practice in cultivating the ability of investment research and credit rating.In order to test the impact of such intellectual capital factors on the financial market business efficiency of small and medium-sized agricultural commercial banks,this paper takes the relevant data of Zhejiang Rural Credit Union as a sample,to build a regression model to verify the impact of investment research credit rating on financial market business benefits,and empirically concludes that the capability of investment research and credit rating has a significant positive correlation with financial market business benefits.Based on this,this paper proposes that small and medium-sized agricultural commercial banks should attach importance to the accumulation and application of intellectual capital.Meanwhile,this paper constructs a synthesis evaluation index of investment research&credit rating capability.This paper also proposes that the intensive operation of investment research and credit rating can be realized through two mechanisms:"Flexibility Organization,Collaboration"and"Resource aggregation,Unified output".