转型背景下N农商银行发展对策研究

发布时间：2018-06-21 12:37

本文选题：经济转型 + 商业银行　；参考：《南昌大学》2013年硕士论文

【摘要】：农商银行的前身是农村信用合作社。农商银行的发展即能够促进农业的发展,又能够完善我国的银行业的建设。在转型背景下,农商银行应该得到更多关注,在经济发展中发挥更大的作用。为了更好探究农商银行的发展,本研究以N农商银行为研究对象,探究其发展对策,从而为农商银行的发展提供借鉴与参考。这一研究具有一定的实践意义与理论价值。第一章介绍了农村商业银行改革的背景,为研究提供事实依据。第二章研究转型背景下商业银行的战略管理。第三章介绍对N农商银行的情况进行介绍。第四章对先进农商银行进行介绍,为N农商银行的改革提供参考。第五章则探究转型背景下N农商银行的发展定位与战略措施。 N农商银行经过改制之后,其管理效率具有极大的提高。N农商银行经营实力具有显著增强,并积极履行自身的社会责任。同时,N农商银行还积极推进制度建设,不断提高自己的服务质量。但是,N农商银行在发展过程中也存在一定的问题。这些问题体现为业务单一、产权管理不完善、以客户为中心的服务模式没有得到建立、风险管理能力比较差和人力资源管理工作不足等。这些不足的出现具有一定的主观和客观方面的原因。N农商银行缺乏市场竞争意识和风险意识,并受到传统管理机制和传统人事管理模式的影响。另外,比较短的成立时间也影响了改制的成效。根据现实的经验情况并解决国内外农村金融机构发展的成功经验,N农商银行应该进行准确的定位,执行和落实有效的发展策略。这些策略包括以下几个方面。一是加快产权制度改革,建立科学组织架构；二是明确发展定位,积极服务“三农”和中小企业；三是提高市场意识,落实以客户为中心的经营管理战略；四是建立全面风险管理理念,提升风险管理能力；五是加强各方合作,实现互动共赢战略；六是拓展经营范围,强化辐射能力建设；七是坚持以人为本,构建科学人力资源管理体系。
[Abstract]:The predecessor of agricultural commercial bank is rural credit union. The development of agricultural and commercial banks can not only promote the development of agriculture, but also perfect the construction of China's banking industry. Under the background of transformation, the agribusiness bank should get more attention and play a more important role in economic development. In order to better explore the development of agricultural and commercial bank, this study takes N agricultural commercial bank as the research object, probes into its development countermeasure, thus provides the reference and the reference for the agricultural commercial bank development. This research has certain practical significance and theoretical value. The first chapter introduces the background of rural commercial bank reform and provides the factual basis for the study. The second chapter studies the strategic management of commercial banks under the background of transition. The third chapter introduces the situation of N Rural Commercial Bank. The fourth chapter introduces the advanced agricultural and commercial bank and provides reference for the reform of NRCB. The fifth chapter explores the development orientation and strategic measures of NRCB under the background of transformation. After the reform of NRCB, the management efficiency of NRCB has been greatly improved, and the management strength of NRCB has been greatly enhanced. And actively fulfill their own social responsibility. At the same time, the Bank of Agriculture and Merchants also actively promoted the construction of the system, constantly improve their service quality. However, there are some problems in the development process of the Bank. These problems include single business, imperfect management of property rights, failure to establish a customer-centered service model, poor risk management ability and insufficient human resource management. There are some subjective and objective reasons for these deficiencies. The agricultural and commercial bank lacks market competition consciousness and risk consciousness, and is influenced by traditional management mechanism and traditional personnel management mode. In addition, a relatively short time of establishment also affected the effectiveness of the reform. According to the actual experience and the successful experience of solving the development of the rural financial institutions at home and abroad, the Agricultural Commercial Bank should carry out the accurate positioning, carry out and implement the effective development strategy. These strategies include the following. One is to speed up the reform of property right system, and the other is to set up a scientific organization structure; second, to clearly define the development orientation and actively serve the "three rural areas" and small and medium-sized enterprises; third, to enhance the market awareness and implement the customer-centered management strategy; Fourth, to establish a comprehensive risk management concept and enhance risk management capability; fifthly, to strengthen cooperation among all parties to realize the strategy of mutual benefit; sixthly, to expand the scope of operation and strengthen the building of radiation capacity; seventh, to adhere to the people-oriented approach, Construct scientific human resource management system.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【引证文献】