贵州省村镇银行可持续发展研究

发布时间：2018-03-08 17:26

本文选题：农村金融　切入点：村镇银行　出处：《贵州大学》2016年硕士论文　论文类型：学位论文

【摘要】：当前,我国正处于全面建成小康社会决定性阶段。破解“三农”问题,对如期实现全面建成小康社会目标有十分重大的意义。“三农”发展需要充足有效的资金支持,除财政支持以外,金融支持是非常重要的组成部分。而长期以来,我国农村金融的改革发展滞后于城市金融改革发展,金融支持“三农”的作用和效果并未充分发挥。县域及村镇金融机构数量少、类型单一,远不能满足农村金融市场需求。作为我国重要的新型农村金融机构之一,村镇银行自2007年诞生以来就被赋予了填补和激活农村金融市场的历史重任。现阶段,村镇银行实现可持续发展,将对我国深化农村金融改革发展具有重要的实践意义。作为欠发达欠开发地区,贵州省村镇银行自2008年下半年开始试点,至2015年12月末,全省村镇银行开业数量达47家。为深入探析村镇银行是否能实现可持续发展以及如何实现可持续发展的问题,本文以贵州省村镇银行为样本,通过分析村镇银行在贵州的发展态势,剖析村镇银行发展中存在的问题,运用战略管理的理论和SWOT分析法,重点研究贵州省村镇银行内部优势和外部机遇,构建村镇银行可持续发展的最优战略即SO战略。通过研究表明,目前贵州省村镇银行发展态势良好,拥有政策法律赋予的众多比较优势和发展机遇,但也存在市场定位有所偏差、盈利能力偏低、创新能力不足、业务拓展存在“瓶颈”等问题,同时面临着利率市场化、存款保险制度实施、民营银行竞争、互联网金融等带来的新挑战。基于此,本文提出,贵州省村镇银行应充分发挥和放大自身优势,积极抓住和借助外部机遇,在坚守立足县域、服务“三农”的“草根”银行的战略定位下,以差异化、特色化发展来实现可持续发展,并具体在深耕目标市场、拓展业务范围、增强品牌意识、完善公司治理、加强人力资源管理、完善政策扶持体系、实行差异化和动态监管六个方面为村镇银行可持续发展提供了具体的政策建议。
[Abstract]:At present, our country is in the decisive stage of building a well-off society in an all-round way. It is of great significance to solve the problem of "agriculture, countryside and farmers" to realize the goal of building a well-off society in an all-round way as scheduled. The development of "agriculture, countryside and farmers" needs sufficient and effective financial support. In addition to financial support, financial support is a very important component. For a long time, the reform and development of rural finance in China has lagged behind the development of urban financial reform. The function and effect of financial support for agriculture, rural areas and farmers have not been brought into full play. As one of the important new rural financial institutions in China, the number and type of financial institutions in counties and villages are small and the types are too simple to meet the needs of the rural financial market. Since its birth in 2007, the village bank has been entrusted with the historical task of filling and activating the rural financial market. It will be of great practical significance to deepen the reform and development of rural finance in our country. As an underdeveloped and underdeveloped area, Guizhou Provincial Village and Town Bank has been piloting from the second half of 2008 to the end of December 2015. The number of village and town banks in the province has reached 47. In order to find out whether village banks can achieve sustainable development and how to achieve sustainable development, this paper takes the rural banks of Guizhou Province as a sample. Through analyzing the development situation of village bank in Guizhou, analyzing the problems existing in the development of village bank, using the theory of strategic management and SWOT analysis, the paper focuses on the internal advantages and external opportunities of village bank in Guizhou province. The best strategy of sustainable development of village bank is so strategy. The research shows that the development situation of village bank in Guizhou province is good at present, and it has many comparative advantages and development opportunities given by policy and law. However, there are also some problems such as market positioning bias, low profitability, insufficient innovation ability, "bottleneck" in business expansion, and so on. At the same time, they are faced with marketization of interest rates, implementation of deposit insurance system, competition of private banks, and so on. Based on this, this paper puts forward that Guizhou Provincial Village and Town Bank should give full play to and enlarge its own advantages, actively seize and make use of external opportunities, and stand firm in the county area. Under the strategic orientation of the "grass root" bank, which serves the "three rural areas", it can realize sustainable development by differentiation and characteristic development, and concretely develop the target market, expand the scope of business, strengthen the brand consciousness, and perfect the corporate governance. Strengthening human resource management, perfecting policy support system, implementing differentiation and dynamic supervision provide concrete policy suggestions for the sustainable development of village banks.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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