宜章县村镇银行现状分析与发展对策建议

发布时间：2018-05-18 04:31

本文选题：村镇银行 + 风险控制　；参考：《湖南师范大学》2013年硕士论文

【摘要】：近年,随着“三农”发展不断推进,对农村金融改革提出新的要求,促进了农村金融改革不断深化。但是,由于农村金融市场过高的准入门槛,管理部门过度管制,使农村金融垄断现象严重,大大束缚了农村金融的发展,无法跟上‘三农”经济快速发展的节奏,农村金融改革迫在眉睫。正是村镇银行的设立,打破了原有的农村金融市场竞争格局,激发了金融市场活力。同时,在顺应农村金融市场需求,促进农村经济发展方面所起的积极作用。文章先是通过回顾村镇银行概念、介绍农村金融的部分理论,并进行了简明扼要的阐述；接着分析了中国村镇银行的发展概况,发挥的社会绩效和功能,存在的问题和不足；再以成立于湖南省贫困县的宜章县长行村镇银行当成剖析对象,分别从宜章县长行村镇银行的经营状况、存在的问题进行解析,以及出现这些不足的原因。通过对村镇银行现状的分析,问题的列举,原因的查找,总结出村镇银行在发展过程中需找准市场定位,确立发展原则,制定发展战略以及实施切实可行的具体措施。从而做到风险能控制、盈力有增长、影响能扩大。最后对上述举措执行后的效果进行了展望。村镇银行是应农村经济发展和农村金融改革需要而设立的。要实现村镇银行的壮大,必须增强服务农村发展的本领,丰富适合农村需要的金融产品。以农村环境为成长土壤,提高管理能力,规避信用风险,增强盈利能力,发挥社会绩效。同时,为村镇银行提供经验,为新农村建设提供金融支持,为贫困地区金融发展注入活力。
[Abstract]:In recent years, with the development of agriculture, rural areas and farmers, new requirements for rural financial reform have been put forward, which has promoted the deepening of rural financial reform. However, due to the high entry threshold of the rural financial market and excessive regulation by the management department, the phenomenon of rural financial monopoly is serious, which greatly restrains the development of rural finance and is unable to keep up with the rapid development of the "three rural" economy. Rural financial reform is imminent. It is the establishment of village bank that breaks the original competition pattern of rural financial market and stimulates the vitality of financial market. At the same time, it plays an active role in meeting the needs of rural financial market and promoting the development of rural economy. Firstly, the article introduces some theories of rural finance by reviewing the concept of village bank, then analyzes the development of village bank in China, the social performance and function, the existing problems and shortcomings. Then taking Changhang Village Bank of Yichang County, which was founded in the poor county of Hunan Province, as the object of analysis, this paper analyzes the management status, existing problems and the reasons of these deficiencies from the management situation of Changhang Village Bank in Yichang County. Based on the analysis of the present situation of the village bank, the enumeration of the problems and the search of the reasons, it is concluded that the village bank should find the correct market orientation, establish the development principle, formulate the development strategy and carry out the practical and practical concrete measures in the process of development. So that risk can be controlled, earnings growth, impact can be expanded. Finally, the effect of the above measures is forecasted. Village banks are set up to meet the needs of rural economic development and rural financial reform. In order to realize the expansion of the village bank, we must strengthen the ability of serving the rural development and enrich the financial products suitable for the rural needs. Take the rural environment as the growth soil, improve the management ability, avoid the credit risk, strengthen the profit ability, give play to the social performance. At the same time, to provide experience for the village bank, to provide financial support for the new rural construction, and to inject vitality into the financial development of poor areas.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】