把毕节农行建设成资源型银行策略研究

发布时间：2018-02-08 14:23

本文关键词： 资源型银行比较优势毕节试验区西部大开发资源禀赋　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着社会经济的进一步发展,金融机构竞争日趋激烈,在金融产品同质化严重,金融机构特色化相对缺乏,金融需求多样化呈现的新形势下,要摆脱多年来过度竞争的“红海”模式,选择适合自身的“蓝海”策略,贵州毕节农行需要在充分论证和深入思考的前提下,结合自身特色、当地政策优势和资源条件,扬长避短,因地制宜,契合资源禀赋,充分发挥毕节农行比较优势,不断提升核心竞争力和价值创造力,逐渐形成自己的经营特色和更优的发展模式,在一定时期内把毕节农行建设成资源型信贷资产占主导地位的资源型银行。贵州毕节,作为资源富集的西隅之地,由于历史、地理等原因,其没有得到有效的开发,社会、经济等从全国范围来看发展相对滞后。近二十年来在中央各部委、省委、省政府关心支持下,毕节得益于“试验区”政策优势,正在加快自身资源的开发和利用水平,提高资源的使用效率和循环利用,建设独具特色的新型资源经济,并已取得经济社会健康发展的初步成效。近十年来,毕节经济增长已进入相应的成长阶段,与2002年相比,毕节全市生产总值由138.65亿元增长到2012年的877.96亿元,增长幅度达533.22%；财政收入从2002年17.24亿元增长到2012年的247.71亿元,增长幅度达1336.83%。本文正是以此为背景,利用EMBA所学的经济管理理论,在比较毕节农行自身优势的前提下,力求寻找到一条与社会发展相协调、与政府规划相适应、在同业中具有竞争力的特色发展道路：其一是有利于转变毕节农行自身发展模式,为新一轮的市场竞争设计更好的发展思路；二是发挥农业银行更好地支持地方经济建设的主力作用；三是能形成一种新的发展战略和核心竞争力,为金融机构因地制宜选择性的进行市场开拓提供借鉴。基于此,本论文主要分为5个主要部分：第一部分,绪论,主要介绍本文的选题背景、研究内容、研究方法和研究逻辑,以及论文的贡献与不足；第二部分,主要从毕节经济概况、资源经济优势、有利的政策支持、快速发展的经济以及区位优势等方面说明了建设资源型银行的基础及条件；第三部分是对毕节农行及全市主要金融机构的比较分析,该部分内容涉及了毕节农行概况、毕节农行业务发展现状分析以及全市金融机构比较分析,通过分析得出毕节农行具有政策优势、网点优势、人员优势以及业务发展优势,同时也指出毕节农行在发展过程中存在的短板；第四部分主要介绍支撑建设资源型银行的理论依据并对建设资源型银行的可行性比较优势进行了分析；本文最后一部分,也是最重要的一部分,对建设资源型银行的相应措施进行了阐述,这其中有关于建设资源型银行相关政策理论依据的论述,有关于农行建设资源型银行行业信贷政策措施,有涉及人才队伍的建设,有关于建立考核机制的探索,也有提升农行价值创造和加强风险防范的要求。本文的创新之处在于,提出了“资源型银行“这一概念,这是在银行传统业务受到极大冲击,银行惯有经营发展模式已不能适应新的发展条件及对金融如何服务经济提出的,这不是臆造的词语,而是在充分认清毕节试验区经济发展方向及区内丰富的资源条件后,结合毕节农行自身发展要求提出的概念。在本文的分析过程中,将实证研究与规范分析相结合,重点采用了文献分析、理论分析和案例分析等多种方法。资料数据主要来源于政府官方网站、毕节农行经审核对外发布的数据以及专业期刊杂志和专著等。本文的理论工具主要借鉴大卫·李嘉图的比较优势理论,在对毕节的资源优势进行充分的论述后,得出毕节农行在资源型行业金融产品经营上具有比较优势的结论,即如果毕节农行能针对我国当前经济转型、资源日益匮乏的大时代背景,部署到位、措施得力,毕节农行将利用当地资源优势转化为经济优势这一契机,大力拓展资源型金融产品和服务的领域,增加相关金融创新的力度,创造更大更好的未来发展空间,这对比较优势理论在具体企业发展中的应用做出了有特色的论证。当然,由于笔者本人长期从事金融管理事务操作,学识、理论水平有限,以及作为毕节农行负责人工作异常繁忙,加之在论文写作期间由于工作繁忙未能涉猎更多的文献,展开更深入的分析研究,论文必然存在很多不足之处。本人将在下一步的研究中,积极收集素材,丰富文献资料,力求在文章理论分析部分更加深入和充分,在对策建议部分更有针对性和可操作性,更好的服务于实际工作。同时,对如何将资源资产化、资产金融化,并盘活资产存量；如何在人民银行及监管部门现有的政策条件下创新开发相关金融产品和金融服务,助推企业更好地利用资源、实现资源的潜在市场价值,将是笔者未来的研究重点。
[Abstract]:With the further development of the social economy , the competition of financial institutions becomes more and more intense . Under the new situation that the homogeneity of the financial products is serious , the financial institution ' s specialization is relatively short and the diversification of the financial needs is diversified , it is necessary to get rid of the over - competitive " blue sea " strategy for many years , combine with its own characteristics , local policy advantages and resource conditions , give full play to the comparative advantage of the whole set of agricultural lines , continuously improve the core competitiveness and the value creativity , gradually form its own business characteristics and the better development mode , and build the Bijie Agricultural Bank into a resource - type bank which dominates the resource - type credit assets in a certain period . In recent 20 years , the economic growth of Bijie has entered the corresponding growth stage . In recent ten years , Bijie economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has grown from 138 . 6.5 billion yuan to 879.96 billion yuan in 2012 , with a growth rate of 533 . 22 % ; and the increase of fiscal revenue from RMB 17.24 billion yuan in 2002 to 247.71 billion yuan in 2012 , with a growth rate of 1336.83 % . Based on this background , using the economic management theory of EMBA , the author tries to find a way to develop a new development strategy and core competence for the new round of market competition . Based on this , the thesis is divided into five main parts : The first part , introduction , mainly introduces the background , research content , research methods and research logic of this paper , as well as the contribution and deficiency of the thesis . The second part , mainly from Bijie ' s economic situation , resource economic advantage , favorable policy support , rapid development economy and location advantage , etc . , illustrates the foundation and conditions of the construction of resource - based banks ; The third part is the comparative analysis of Bijie Agricultural Bank and the main financial institutions of the whole city . This part deals with the general situation of Bijie Agricultural Bank , the analysis of the current situation of Bijie Agricultural Bank ' s business development and the comparative analysis of the financial institutions of the whole city . Through the analysis , it is concluded that the Bijie Agricultural Bank has the advantages of policy advantage , net point advantage , people ' s advantage and business development advantage , and also points out that the short board existed in the development process of Bijie Agricultural Bank ; The fourth part mainly introduces the theory basis of supporting construction resource bank and analyzes the advantages of the feasibility comparison of construction resource bank . The last part of this paper is also the most important part , expounds the corresponding measures of the construction resource - based bank , including the discussion about the relevant policy theory of the construction resource - based bank , the construction of the talent team , the exploration of the establishment of the assessment mechanism and the requirement of raising the value of the agricultural bank and strengthening the risk prevention . The innovation of this paper is that the concept of " resource bank " is put forward , which is a great impact on the traditional business of the bank , which has not been adapted to the new conditions of development and how to serve the economy . This is not a speculative word , but a concept proposed by the development of Bijie Agricultural Bank after fully recognizing the direction of economic development in Bijie test area and abundant resource conditions in the region . Based on the comparative advantage theory of David Ricardo , the author draws a conclusion that Bijie Agricultural Bank has a comparative advantage in the management of financial products in the resource - based industry , which is based on the comparative advantage theory of David Ricardo . In the next study , the author will actively collect the material and enrich the literature , try to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the supervision department , and help the enterprises to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the regulatory authorities .

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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