湖南省村镇银行发展研究

发布时间：2018-02-04 14:12

本文关键词： 村镇银行运营机制市场开发风险控制　出处：《长沙理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：在2006年之前，我国政府为解决农村地区金融供给紧张的问题进行了一系列的尝试，，虽然政府的初衷是好，但“虹吸现象”一定程度上加大了农村地区资金紧张的情况。在孟加拉国乡村银行的创始人Yunus获得了诺贝尔和平奖之后，其乡村银行运行模式在我国农村金融领域的可行性研究不断涌现，随即监管部门为进入农村领域的资金“松绑”，村镇银行作为新型金融机构得到了较快发展。湖南作为“鱼米之乡”，“三农”资金需求量大，这为湖南省村镇银行的发展提供了市场基础，但是市场开发与利用能力却是湖南省村镇银行发展的关键。本文对国内外村镇银行的相关研究情况进行综述的基础上，介绍了我国村镇银行设立背景、经营特点、优势以及发展目标。进而介绍湖南省村镇银行发展状况，分析湖南省村镇银行的规模和结构，湖南省村镇银行运营对湖南“三农”的影响。从中归纳出湖南省村镇银行发展中存在的定位偏离政策、股权结构不合理、监督不独立、风险控制和存款营销等主要问题。进而在借鉴孟加拉国、日本和美国等国家农村金融运营的实践经验的基础上，为湖南省村镇银行的发展提出包括进行合理的市场定位、落实扶持政策、加快立法体系建设、优化股权结构、健全内外部治理机制、降低软信息小额信贷风险、加快建立存款额保险金制度、以及加强企业文化建设，改善员工存款考核机制等在内的建议。文章所及现状、问题和对策对促进湖南村镇银行的发展具有一定的建设意义。
[Abstract]:Before 2006, our government made a series of attempts to solve the problem of tight financial supply in rural areas, although the original intention of the government is good. But the siphon phenomenon, after Yunus, the founder of Grameen Bank in Bangladesh, won the Nobel Peace Prize, has added to the financial squeeze in rural areas. Its rural bank operation mode in our country rural finance domain feasibility research emerges unceasingly, immediately the supervisory department for enters the countryside domain funds "untied". As a new type of financial institution, village bank has been developed rapidly. Hunan, as a "land of fish and rice", has a large demand for funds, which provides a market basis for the development of Hunan village and town banks. However, the ability of market development and utilization is the key to the development of Hunan Village Bank. On the basis of summarizing the research situation of the village bank at home and abroad, this paper introduces the background and management characteristics of the village bank in our country. Then it introduces the development situation of Hunan Village Bank and analyzes the scale and structure of Hunan Village Bank. The influence of Hunan Village Bank's operation on Hunan's "three rural areas". From it, the author concludes that the orientation deviation policy in the development of Hunan village and town bank is unreasonable, and the supervision is not independent. Risk control, deposit marketing and other major issues. Then on the basis of Bangladesh, Japan and the United States and other countries in rural financial operation experience based on practical experience. For the development of Hunan village and town bank, it includes carrying out reasonable market positioning, implementing supporting policy, speeding up the construction of legislative system, optimizing the ownership structure, perfecting the internal and external governance mechanism, and reducing the risk of micro-credit of soft information. To accelerate the establishment of deposit insurance system, as well as to strengthen the construction of corporate culture, improve employee deposit assessment mechanism, and so on. Problems and countermeasures to promote the development of Hunan Village Bank has a certain significance of construction.
【学位授予单位】：长沙理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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