大理渝农商村镇银行发展策略研究

发布时间：2018-05-23 15:23

本文选题：农村金融 + 发展策略　；参考：《云南师范大学》2013年硕士论文

【摘要】：目前我国农村地区金融体系尚不健全,机构网点覆盖率低，，金融资源供给不足，市场竞争不充分等问题较为突出。为推动农村金融改革深化,银监会主导引入增量因素，使具有低门槛、多元化资金来源、灵活多样股权与治理结构的村镇银行进入农村金融市场。村镇银行的成立是我国农村金融体制深化改革的有效途径,是农村金融创新的结果,必将一定程度上缓解农村地区金融服务的供需矛盾，也是目前农村金融研究的重要课题之一。本文采用宏观分析与微观分析相结合的方式,首先阐述了农村金融理论及组建村镇银行理论基础以及国外乡镇银行和社区银行的成功经验；然后通过分析大理渝农商村镇银行的发展现状,总结村镇银行的发展优势,证明村镇银行是可以存活的,是可以在农村区域经济中发挥积极作用的。同时针对大理渝农商村镇银行发展中存在的内部和外部问题,找出相应的解决办法；最后运用SWOT分析方法,全面分析了村镇银行的优势、劣势、机会和威胁,进而提出了大理渝农商村镇银行持续稳健发展的策略建议。
[Abstract]:At present, the financial system in rural areas is not perfect, the coverage of institutions is low, the supply of financial resources is insufficient, the market competition is insufficient and so on. In order to promote the deepening of rural financial reform, CBRC led the introduction of incremental factors, so that the rural banks with low threshold, diversified sources of funds, flexible and diverse equity and governance structure into the rural financial market. The establishment of village bank is an effective way to deepen the reform of rural financial system and the result of rural financial innovation, which will alleviate the contradiction between supply and demand of financial services in rural areas to a certain extent. It is also one of the important subjects in rural finance research. In this paper, the combination of macro analysis and micro analysis is adopted. Firstly, the theory of rural finance and the theoretical basis of setting up village and town banks, as well as the successful experiences of foreign township banks and community banks are expounded. Then through the analysis of the development status of Dali Chongqing Rural Bank, summed up the advantages of village bank development, proved that the village bank can survive, can play an active role in the rural regional economy. At the same time, aiming at the internal and external problems existing in the development of Dali Chongqing Rural Bank, the corresponding solutions are found. Finally, the advantages, disadvantages, opportunities and threats of village banks are comprehensively analyzed by using SWOT analysis method. And then put forward the Dali Chongqing village bank of agricultural and commercial sustainable and steady development of the strategic recommendations.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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