深圳农村商业银行的改革研究

发布时间：2018-04-28 18:34

本文选题：农村信用社 + 深圳农村商业银行　；参考：《西南交通大学》2013年硕士论文

【摘要】：随着我国经济的不断发展和新农村建设的不断推进,我国农村发展日益增长的资金需求与落后的农村金融现状之间的矛盾,已成为“三农”问题最主要的矛盾。笔者认为解决这一问题的根本性方案在于农村金融的发展。在国有大型银行纷纷退出县域经济,农村信用社与农业银行发生行社脱钩后,农村信用社成为了我国农村金融当仁不让的主力军。独具特色的“苏南模式”、“天津模式”和“重庆模式”,开启了我国农村信用社的改革之路。本文从国内外最新研究成果入手,着力对社区银行,零售银行,流程银行还有省级联社模式等几个方面的文献进行分析与整理,探讨农信社改革的必要性和可行性。然后以深圳农商行的发展与改革为案例,根据深圳农商行的发展轨迹和其它社区零售银行改革的成功经验,总结了我国农村信用社发展的四种可行性路径,试图探讨出一种适合不同路径发展的农信社改革之路。农信社改革的四种不同路径,本文命名为ACTI路径选择理论,其中A是alliance的缩写可以代表弱弱之间的联合,主要是组建市级农商行、省级农商行、区域农商行甚至全国农商行,简译为合纵；C是coalition的缩写可以代表强弱之间的联合,主要是和城商行的联合,简译为连横；T是transformation的缩写可以代表农商行自身的转型,打造社区零售银行,以形式反作用于内容,简译为变革；I是innovation的缩写可以代表沿着当前的路径,通过不断完善自身的产品和服务发展,以提升自己的内容,打造现代化流程银行,简译为创新。上述四种路径选择方法也可英译为积极的行动理论或是中译为纵横革新选择理论。文章在分析完每一种路径发展的可行性和优缺点外,对我国农信社的发展提供有力的参考依据,以增强其可行性和普适性。在文章的最后,作者基于深圳农商行社区零售银行的实践经验,提出我国农信社改革的政策建议。
[Abstract]:With the development of our economy and the construction of new countryside, the contradiction between the increasing demand for funds and the backward rural financial situation has become the main contradiction of the "three rural" problems. I believe that the fundamental solution to this problem lies in the development of rural finance. After the large state-owned banks have withdrawn from the county economy and the rural credit cooperatives and the agricultural bank have decoupled, rural credit cooperatives have become the main force of our country's rural finance. The unique "Southern Jiangsu Model", "Tianjin Model" and "Chongqing Model" have opened the reform road of rural credit cooperatives in China. Starting with the latest research results at home and abroad, this paper analyzes and collates the literature on community banks, retail banks, process banks and provincial joint societies, and probes into the necessity and feasibility of the reform of rural credit cooperatives. Then taking the development and reform of the agricultural and commercial bank in Shenzhen as an example, according to the development track of the agricultural and commercial bank in Shenzhen and the successful experiences of other community retail banks, this paper summarizes four feasible paths for the development of rural credit cooperatives in China. This paper attempts to explore a suitable path for the reform of rural credit cooperatives. There are four different paths in the reform of rural credit cooperatives. This paper named ACTI path selection theory, in which A is the abbreviation of alliance, which can represent the combination of weak and weak. It mainly consists of the establishment of city level agricultural and commercial banks, provincial agricultural and commercial banks, regional agricultural and commercial banks and even national agricultural and commercial banks. The acronym of coalition is the combination of strong and weak, mainly with the city commercial bank. The abbreviation of transformation can represent the transformation of the agribusiness bank itself, build the community retail bank, and counteract the content with the form. The abbreviation of "innovation" can represent the development of its own products and services along the current path, in order to improve its content and create a modern process bank. The above four path selection methods can also be translated into positive action theory or horizontal innovation choice theory. Besides analyzing the feasibility, advantages and disadvantages of each path development, the paper provides a strong reference basis for the development of rural credit cooperatives in China, in order to enhance its feasibility and universality. At the end of the paper, based on the practical experience of the community retail bank of Shenzhen agribusiness bank, the author puts forward some policy suggestions on the reform of rural credit cooperatives in China.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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