石河子交银村镇银行发展瓶颈与对策研究

发布时间：2018-06-01 14:29

  本文选题：村镇银行 + 瓶颈　； 参考：《石河子大学》2016年硕士论文

【摘要】：长期以来,新疆第一产业增加值占国民生产总值的比例都高于全国水平,近年来第一产业增加值才逐渐降低,但仍然处于高位。与此同时,大部分的县域地区和农牧团场地区金融服务机构只有农村信用社和农业银行,还有许多农牧团场地区依然是银行服务的空白区,新疆农业发展的资金需求与金融服务机构不足的矛盾却日益突出,农业经济的发展迫切需要农村金融体制的改革与完善。近年来中央大力支持新疆的经济社会发展,鼓励有条件的股份制银行在新疆设立村镇银行,加大金融支持新疆的小微企业发展和“三农”的信贷服务支持力度,石河子村镇银行应运而生。自2011年成立以来,经历了4年多的发展,石河子交银村镇银行活跃了石河子地区的金融市场,经营能力日益提高,涉农资金支持力度逐步加大,网点逐渐增多,存贷款规模日益壮大,为石河子地区的经济发展做出了一定的贡献。但是作为规模不大的地方性法人金融机构,石河子交银村镇银行的发展还存在各种各样的问题,如何克服自身瓶颈实现创新可持续发展,是其面临的重要问题。文章立足于石河子市当前经济金融形式,着重分析石河子交银村镇银行经营状况、资产质量和盈利能力以及支农信贷情况,并通过调查研究全面探讨制约其发展的瓶颈因素,提出石河子交银村镇银行创新稳健发展的对策建议。本文首先研究了石河子交银村镇银行的发展现状,从组织结构情况、经营业务、宣传营销现状和政策支持情况四方面简述了石河子交银村镇银行的基本情况;然后从存贷款情况、资产质量、盈利情况和支农状况等全面分析石河子交银村镇银行的业务发展现状;进一步从其自身在管理体系、业务及产品创新、技术手段和人才队伍建设以及自身竞争力弱等五方面深入分析了制约石河子交银村镇银行发展的瓶颈因素;然后借鉴浙商银行和网商银行发展的特色经验,对比找出石河子交银村镇银行存在的短板,最后提出石河子交银村镇银行发展的对策与建议。最终认为石河子交银村镇银行首先要明确立足于服务农村的发展思路和突出特色的发展原则,通过改革自身管理机制、强化风险管理、拓展中间业务与零售业务、加强产品创新、加快系统建设、完善人才管理、资源节约化的扩张模式和加大宣传力度共八项措施来推进石河子交银村镇银行的全面可持续发展。
[Abstract]:For a long time, the ratio of the added value of the primary industry to the gross national product in Xinjiang has been higher than that of the whole country. In recent years, the added value of the first industry has gradually decreased, but it is still at a high level. At the same time, most county areas and farming and pastoral areas have only rural credit cooperatives and the Agricultural Bank of China as the only financial service institutions, and many agricultural and pastoral farm areas are still blank areas for banking services. However, the contradiction between the fund demand of Xinjiang agricultural development and the shortage of financial service institutions is increasingly prominent. The development of agricultural economy urgently needs the reform and perfection of the rural financial system. In recent years, the central government has vigorously supported the economic and social development of Xinjiang, encouraged qualified joint-stock banks to set up village and town banks in Xinjiang, and increased financial support for the development of small and micro enterprises in Xinjiang and the support of credit services for agriculture, rural areas and farmers. Shihezi Village Bank emerged as the times require. Since its establishment in 2011, after more than four years of development, Shihezi Jiaoyin Village Bank has been active in the financial market in Shihezi area, and its management ability has been increasing day by day, the support for agricultural funds has been gradually increased, and the network has gradually increased. The growing scale of deposits and loans has contributed to the economic development of Shihezi region. However, as a small local legal person financial institution, there are still various problems in the development of Shihezi Jiaoyin Village Bank. How to overcome its own bottlenecks to achieve innovative and sustainable development is an important problem it faces. Based on the current economic and financial situation of Shihezi City, this paper focuses on the analysis of bank management, asset quality, profitability and supporting agricultural credit situation of Shihezi Jiaoyin Village Bank, and discusses the bottleneck factors restricting its development through investigation and study. Put forward Shihezi Jiaoyin Village Bank innovation and steady development of countermeasures and suggestions. This paper first studies the development of Shihezi Jiaoyin Village Bank, and describes the basic situation of Shihezi Jiaoyin Village Bank from four aspects: organizational structure, business, marketing and policy support. Then, from the aspects of deposit and loan situation, asset quality, profit situation and support for agriculture, the business development status of Shihezi Jiaoyin Village Bank is comprehensively analyzed; and further, from its own management system, business and product innovation, This paper deeply analyzes the bottleneck factors that restrict the development of Shihezi Jiaoyin Village Bank from five aspects, such as technical means, talent team construction and weak competitiveness, and then draws lessons from the characteristics of the development of Zhejiang Merchants Bank and Internet Merchants Bank. Finally, the author puts forward the countermeasures and suggestions for the development of Shihezi Jiaoyin Village Bank. Finally, the author thinks that Shihezi Jiaoyin Village Bank should first of all clearly base itself on the development thinking of serving rural areas and highlight the development principle of characteristics, through reforming its own management mechanism, strengthening risk management, expanding intermediate business and retail business. There are eight measures to promote the overall sustainable development of Shihezi Jiaoyin Village Bank, such as strengthening product innovation, speeding up system construction, perfecting talent management, saving resources and increasing propaganda.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
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本文编号：1964507