我国村镇银行发展对策研究

发布时间：2018-03-28 02:18

本文选题：村镇银行　切入点：AHP分析法　出处：《东北农业大学》2013年硕士论文

【摘要】：近几年，农村经济和农业如何发展以及农民生活水平怎样提高一直是我国社会主义现代化建设的首要问题，党和国家高度重视。农村经济的发展需要金融的支持，但目前金融供给不足，竞争不充分、覆盖率低等问题普遍在我国农村地区存在着。这些问题已经严重阻碍了我国农村经济的发展。因此，我们在发展农村经济的同时，务必要加快对农村金融体系的改革，逐步完善农村金融服务体系，打破传统竞争模式，开创农村金融新服务方式，根据农村地区需求特点建立适合的农村金融机构，为我国新农村的建设提供强有力的金融支持。2007年全国首家村镇银行在四川成立，它的成立具有里程碑的意义，为“三农”提供了新的融资渠道，为我国农村金融的发展注入了新的活力。村镇银行经过6年多的发展，队伍不断壮大，发展速度也不断增快，成立的范围由最开始的6个试点省份，扩大到了全国31个省市、自治区，截至2013年2月末，全国已成立1400多家村镇银行。村镇银行保持健康、良好、稳定的发展趋势，对构建我国农村金融体系有着十分重要的意义。本文从现阶段我国村镇银行运行的现状入手，总结了目前村镇银行在发展过程中所面临的主要问题，通过运用AHP分析法分析研究了对村镇银行发展能力产生影响的主要因素，并借鉴国外村镇银行的成功模式经验，在此基础上，提出适用于我国村镇银行持续稳定发展的对策。文章总共分为七个部分，第一部分为引言，主要介绍了论文的研究的背景、研究的目的、研究的意义以及国外研究动态等问题；第二部分首先界定了村镇银行的概念，并简单介绍了村镇银行的特征,又阐述了本文研究的理论基础，包括金融深化论、农村金融市场论、不完全竞争论等农村金融发展理论基础；第三部分和第四部分为整个论文的主体，其中第三部分介绍了村镇银行目前发展的现状，根据现状总结了村镇银行存在的主要问题；第四部分则通过资料分析及调查研究的方法确定了影响村镇银行发展能力的因素，再运用AHP分析法对其进行实证研究，得出金融产品与服务创新对村镇银行的持续稳定的发展起着举足轻重的作用；第五部分介绍了国外村镇银行的发展状况，在此基础上总结适合我国村镇银行的发展经验。第六部分，在前文研究的基础上，为促进我国村镇银行的发展提出一些对策建议。例如，，村镇银行要不断创新金融产品与服务，引进复合型人才并提高从业人员的整体素质。
[Abstract]:In recent years, how to develop the rural economy and agriculture and how to improve the living standards of farmers have always been the primary problems in the socialist modernization drive of our country. The Party and the state attach great importance to it. The development of the rural economy needs financial support. However, the problems of insufficient financial supply, inadequate competition and low coverage rate exist generally in rural areas of China. These problems have seriously hindered the development of rural economy in China. Therefore, while we are developing rural economy, we are developing rural economy at the same time. We must speed up the reform of the rural financial system, gradually improve the rural financial service system, break the traditional competition model, open up new forms of rural financial services, and establish suitable rural financial institutions according to the needs of rural areas. In 2007, the first village and town bank in China was established in Sichuan, which has a milestone significance and provides a new financing channel for "three rural areas". It has injected new vitality into the development of rural finance in our country. After more than six years of development, village and town banks have grown in ranks and the speed of development has been increasing. The scope of the establishment has been expanded from the first six pilot provinces to 31 provinces and cities in the country. By the end of February 2013, more than 1400 village banks had been set up in China. The development trend of village banks is healthy, good and stable, which is of great significance to the construction of our country's rural financial system. This article starts with the present situation of the village bank operation in our country, summarizes the main problems that the village bank faces in the process of development at present, analyzes and studies the main factors that influence the development ability of the village bank by using the AHP analysis method. Based on the successful experience of foreign village and town banks, this paper puts forward some countermeasures for the sustainable and stable development of village banks in China. The article is divided into seven parts, the first part is the introduction, mainly introduces the research background, the purpose, the significance of the research and foreign research trends. The second part defines the concept of village bank. It also briefly introduces the characteristics of village banks, and expounds the theoretical basis of this study, including the theory of financial deepening, the theory of rural financial market, the theory of incomplete competition and other theories of rural financial development. Part three and part four are the main body of the whole thesis. The third part introduces the present situation of the village bank, and summarizes the main problems of the village bank according to the present situation. The fourth part determines the factors that affect the development ability of village banks through the methods of data analysis and investigation, and then makes an empirical study on them by using AHP analysis method. It is concluded that the innovation of financial products and services plays an important role in the sustainable and stable development of village banks. The fifth part introduces the development of rural banks abroad. The sixth part, on the basis of the previous research, puts forward some countermeasures and suggestions for promoting the development of village banks in China. For example, village banks should constantly innovate financial products and services. Introduction of complex talent and improve the overall quality of practitioners.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】