M村镇银行发展战略研究

发布时间：2018-01-04 06:16

本文关键词：M村镇银行发展战略研究　出处：《江西财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：村镇银行是指经中国银行业监督管理委员会依据有关法律、法规批准,由境内外金融机构、境内非金融机构企业法人、境内自然人出资,在农村地区设立的主要为当地农民、农业和农村经济发展提供金融服务的银行业金融机构。设立村镇银行等新型农村金融机构,标志着新一轮农村金融改革的开始,不仅有利于有效解决农村金融发展不平衡的问题,更有利于社会主义和谐发展。近年来,通过不停的摸索和发展,我国村镇银行保持着较快的发展速度,对我国广大地域的县域经济和三农建设产生了积极的作用。但是,由于发展时间过短、管理经验不足等问题的普遍存在,我国村镇银行的发展逐渐暴露出各种问题。如何打破瓶颈、解决问题,使村镇银行实现高效、良好的可持续发展,已成为我国农村金融研究的一个重要内容。基于这个问题的探讨,本文将以M村镇银行为例,详细探讨村镇银行发展战略,为农村金融业的健康快速发展提供科学依据。据统计,截止至2015年12月,在全国范围内,已开设的村镇银行数量已经达到1547家,且每家村镇银行都属于独立的企业法人,所在地域的信用环境、金融环境及社会环境都不尽相同,发展状况不一,同时很难保证所得数据的完整性和有效性,因此单纯的从我国村镇银行发展的总体情况出发进行研究,并不足以总结出具有现实实践指导意义的结论。本文将理论与实践结合,借鉴对传统工商企业进行发展战略研究的方法对M村镇银行进行研究,并根据作者在M村镇银行的实际工作经验,结合其发展现状,进行典型的实例分析,力求为我国其他村镇银行的发展提供典型经验。本文运用PEST框架模型、波特五力分析模型以及EFE矩阵对其所处的外部环境进行研究,发现M村镇银行一方面既拥有着宏观经济平稳、政策利好、发起行支持力度较大等外部环境机会,另一方面也同时面临着竞争加剧、产品价格压力增大等威胁,但外部环境总体向好。本文通过波士顿矩阵、价值链分析以及IFE矩阵等工具对其内部环境进行分析,发现其内部问题与矛盾,内部条件优势与劣势并存,优势主要集中在价值链基本活动环节、员工年龄结构及业务素质、财务状况及管理队伍等方面,劣势则主要集中在价值链辅助活动环节、产品结构、人力资源管理及企业的战略执行能力等方面,但总体而言,内部环境优势略高于平均水平。本文对发展现状进行了详尽的阐述,并深入挖掘了在经营和发展的过程中所存在的问题,比较典型的问题有:价值链辅助活动环节较弱;产品单一,没有形成完整的产品体系,产品竞争力较弱;员工整体学历水平偏低;人力资源管理体系不够健全;企业战略的制定、执行、监控和优化能力不足。针对发展现状,本文提出了M村镇银行的企业使命:卓越的服务质量,优质的产品结构,为客户、员工和股东创造价值;设计了M村镇银行的企业愿景:不断提升核心竞争能力,创建惠农支小卓越品牌,使M村镇银行在共青城的市场占有率达到领先地位,成为全国村镇银行的标杆;并制定了企业经营发展的未来五年的目标。本文通过对M村镇银行的SWOT分析,运用定量战略计划矩阵分析并结合M村镇银行的具体情况提出了其应该选择WO战略和成本领先战略的建议。在提出企业战略后,本文构建了M村镇银行的战略实施保障体系,通过打造优秀的企业文化,建立完整有效的组织结构,设计科学的绩效考核体系,打造高效简洁的业务流程,将企业战略与管理结构的四个方面共同建立成为一个循环共存的体系,以此促进M村镇银行的稳健发展。
[Abstract]:Village bank refers to the Chinese Banking Regulatory Commission in accordance with the relevant laws and regulations, approved by the domestic and foreign financial institutions, domestic non-financial institutions within the enterprise legal person, natural capital, set up in rural areas mainly for local farmers, banking financial institutions to provide financial services for agriculture and rural economic development. The establishment of new rural finance institutions such as rural banks, marking the start of a new round of reform of rural finance, rural finance is not only conducive to effectively solve the problem of unbalanced development, more conducive to the harmonious development of socialism. In recent years, through the exploration and development ceaselessly, rural banks in China maintained a rapid pace of development, has a positive effect on me in the vast areas of the county economy and rural construction. However, due to the development time is too short, the common problems such as lack of management experience, the development of rural banks in our country Gradually exposed some problems. How to break the bottleneck, solve problems, make the rural banks to achieve efficient, good sustainable development, has become an important research content of rural finance in China. Based on this discussion, this paper will take M village bank as an example, to explore the village and town bank development strategy in detail, and provide scientific basis for rural financial industry healthy and rapid development. According to statistics, as of December 2015, in the country, the number of rural banks have opened has reached 1547, the enterprise legal person and every village banks are independent, the domain of credit environment, financial environment and social environment are not the same, the development conditions, at the same time, it is difficult to ensure the integrity and effectiveness of the data, so the overall development of rural bank starting research is not enough to summarize has practical guiding significance Conclusion. This paper will combine theory and practice, using the methods of research on the development strategy of the traditional industrial and commercial enterprises to conduct the research to the M village bank, and according to the author in the M village bank's practical experience, combined with the development status and the analysis of typical examples, in order to provide experience for the development of other typical rural banks in China. This paper uses the PEST framework model, Potter's five forces analysis of its external environment research model and EFE matrix, found that M village bank both with macroeconomic stability, favorable policies, support of large force launched the opportunity to the external environment, on the other hand also faces increased competition, price pressure the threat of external environment, but the overall good. This article through the Boston matrix, value chain analysis and IFE matrix tool to analyze the internal environment, its internal problems The internal conditions and contradictions, advantages and disadvantages, advantages mainly concentrated in the basic link of value chain, age structure and service quality of the staff, financial condition and management team, the disadvantages are mainly concentrated in the auxiliary activities of value chain, product structure, human resource management and enterprise strategy execution ability, but overall the internal environment, the advantages of slightly higher than the average. This paper expatiates on the status quo and development, in-depth excavation of the existing in the process of operation and development problems in the typical problems are: the value chain is weak auxiliary activities; a single product, has not formed a complete system of products, product overall competitiveness is weak; employee education level is low; the human resources management system is not perfect; the enterprise strategy formulation, execution, monitoring and optimization ability. For the development of the current situation, this paper proposes a M Village The town bank enterprise mission: excellent service quality, product structure, quality for customers, employees and shareholders to create value; the design of M village bank's corporate vision: to continue to enhance the core competitive ability, create a small agricultural brand excellence, the M village bank in Komsomolsk market share to become the country's leading position. The rural bank benchmarking; and formulate business development goals for the next five years. Based on the analysis of the SWOT M village bank, by quantitative strategic planning matrix analysis and combining the specific situation of M village bank put forward should choose WO strategy and cost leadership strategies are proposed. In the proposed strategy, this paper constructs the M village bank's strategy of the security system, by creating excellent corporate culture, establish a complete and effective organizational structure, design a scientific performance appraisal system, to create a simple and efficient business In order to promote the steady development of the M village and town bank, the four aspects of the enterprise strategy and the management structure are established together to become a circular coexistence system.

【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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