武冈包商村镇银行的经营困境和发展思路

发布时间：2018-04-11 02:29

本文选题：村镇银行 + 经营困境　；参考：《湖南大学》2013年硕士论文

【摘要】：村镇银行是在建设社会主义新农村的大背景下提出的。要支持建设社会主义新农村，就要有一个完善、竞争的农村金融体系来支撑。村镇银行是以服务地方，服务“三农”为宗旨，让农业这种弱质的产业在银行的扶持下尽快升级换代，让农村经济健康发展。村镇银行的设立，是以农户和中小企业为基础客户，引导资本回流农村，从而带动整个金融生态环境的改善。村镇银行的设立有着重要的意义，为农村金融制度改革提供有益的经验和教训。本文从武冈包商村镇银行的基本情况出发，分析了股权结构、内部治理机制和经营现状，肯定了其在这两年的快速发展。但是，在通过实证方法对武冈包商村镇银行的经营绩效的检验，从影响经营绩效的盈利能力、可持续发展能力、风险控制能力和地区经济发展程度四个指标进行分析，，得出武冈包商村镇银行存在盈利能力严重不足，缺乏可持续发展性的经营困境的结论。武冈包商村镇银行的经营困境主要表现在业务开展困难和风险集中度过高，究其原因主要有市场定位不清和公司治理缺陷的内部原因，财政政策和金融政策不到位的外部原因，为了改善村镇银行的经营状况，需要从内在和外部两个方面来着手解决。首先从村镇银行自身出发，提高经营水平和完善公司治理结构。其次要加大政府的支持力度，并且完善金融配套政策，给村镇银行创造良好的发展环境。
[Abstract]:Village bank is in the construction of a new socialist countryside under the background of the proposed.To support the construction of a new socialist countryside, there must be a sound, competitive rural financial system to support.The village bank is to serve the local, serve the "three rural" as the purpose, let agriculture, this weak industry under the support of the bank as soon as possible to upgrade, let the rural economy develop healthily.The establishment of village bank is based on farmers and small and medium-sized enterprises, leading the capital to return to the countryside, thus promoting the improvement of the whole financial ecological environment.The establishment of village banks is of great significance and provides useful experience and lessons for the reform of rural financial system.Starting from the basic situation of Wugang Village Bank, this paper analyzes the ownership structure, internal governance mechanism and management status, and affirms its rapid development in the past two years.However, through the empirical method to test the operating performance of Wugang Village Bank, the paper analyzes the profitability, sustainable development, risk control and the degree of regional economic development.The conclusion is that the village bank of Wugang contractor has serious shortage of profitability and lack of sustainable development.The operating difficulties of Wugang contractor Village Bank are mainly reflected in the difficulty of business development and the high degree of risk concentration. The main reasons are the internal reasons for the unclear market positioning and the defects in corporate governance, and the external reasons for the lack of fiscal and financial policies.In order to improve the management of village banks, we should solve them from both internal and external aspects.First of all, from the village banks themselves, improve the level of management and improve corporate governance structure.Secondly, it is necessary to strengthen the government's support and improve the financial supporting policies to create a good development environment for the village banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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