内蒙古村镇银行发展存在的问题及对策研究

发布时间：2018-03-14 13:27

本文选题：农村金融　切入点：村镇银行　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：2006年12月,中国银监会放宽了对农村地区银行业的准入政策,内蒙古自治区被确定为首批6个新型农村金融机构改革试点省区之一。村镇银行作为新型的农村金融机构,是新一轮农村金融改革的产物。从试点开始到2012年底,内蒙古村镇银行经过6年的发展,已经形成了覆盖内蒙古12个盟市的格局,已成为农村金融机构中不可或缺的角色之一,是服务内蒙古“三农三牧”的中坚力量。本文以内蒙古村镇银行为研究对象,以农村金融理论、非对称信息理论和金融创新理论为理论指导,运用了规范研究和实证研究相结合、定性描述和定量分析相结合的研究方法介绍了内蒙古村镇银行的发展现状,归纳分析了内蒙古村镇银行发展中面临的外部环境问题和自身因素问题,主要表现在：在外部环境方面,政府扶持政策不到位、结算系统不畅、经营环境差、金融监管不完善；自身因素方面,市场定位偏离、资金来源不足、业务经营风险较高、业务创新能力不足、专业人才匮乏,这些问题严重制约了内蒙古村镇银行的健康发展。针对内蒙古村镇银行发展存在的问题,本文在借鉴了国外村镇银行成功经验的基础上,从宏观层面和微观层面提出了促进内蒙古村镇银行健康发展的对策建议。
[Abstract]:In December 2006, the China Banking Regulatory Commission relaxed its access policy to the banking sector in rural areas, and Inner Mongolia Autonomous region was designated as one of the first six pilot provinces and districts for the reform of new rural financial institutions. It is the product of a new round of rural financial reform. From the beginning of the pilot project to end of 2012, after six years of development, the Inner Mongolia Village and Town Bank has formed a pattern covering 12 Inner Mongolia cities and has become one of the indispensable roles of rural financial institutions. Is the service Inner Mongolia, "three agriculture and three pastoral" backbone force. Based on the rural finance theory, asymmetric information theory and financial innovation theory, this paper takes Inner Mongolia Village Bank as the research object and combines normative research with empirical research. This paper introduces the present situation of the development of Inner Mongolia Village Bank by combining qualitative description with quantitative analysis, and summarizes and analyzes the external environmental problems and its own factors in the development of Inner Mongolia Village Bank. In terms of external environment, the government support policy is not in place, the settlement system is not smooth, the operating environment is poor, and the financial supervision is not perfect. These problems seriously restrict the healthy development of Inner Mongolia Village Bank. In view of the problems existing in the development of Inner Mongolia Village Bank, this paper draws lessons from the successful experience of foreign village banks. From the macro level and micro level, the paper puts forward the countermeasures and suggestions to promote the healthy development of Inner Mongolia Village Bank.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】