村镇银行设立方式与经营绩效的关系——以湖南省村镇银行为例

中国目前实行村镇银行发起人设立制度，主发起行的差异及其所设村镇银行的员工持股情况，可能对村镇银行经营绩效产生不同影响.以湖南省现有的28家村镇银行为例，以2013年上半年的数据为样本，通过不同类型村镇银行相关盈利和风险财务指标对比，分析了村镇银行的设立方式与其经营绩效的关系.研究表明，规模较大的区域内的村镇银行盈利水平与风险控制效果较好.

Relationship Between Establishment and Performance of Rural Banks:A Case Study in Hunan Province

Nowadays,sponsor regime is adopted in rural banks in China.The sponsors and shareholding of crew may affect the performance of rural banks.Based on the financial data of 28 rural banks in Hunan in the first half year of 2013,the article analyses the relationship between ways of establishment and performance of rural banks by comparing their profitability and safety indicators of different types of rural banks.The results show that the performances of rural banks established by large-scale sponsors are superior to the others in term of profitability and risk control.