农行XX县支行“三农”业务发展调研报告

发布时间：2018-08-17 17:40

【摘要】：伴随经济快速发展,我国农业经济取得了长足进步,农民生活水平提高,对金融服务“三农”业务提出了规模更大,内容更广,层次更高的新要求,党中央也明确农行履行国有大型银行商业服务“三农”的责任,要求农行充分利用资金实力雄厚、营业网点多和“三农”金融服务经验丰富等方面的优势,稳步发展在农村地区“三农”服务业务,发挥在农村金融中的支柱和骨干作用,这对县域农行而言是难得的发展机遇。 XX县是我区主要商品粮和蔗糖生产基地,国家农业综合开发重点县,自我区实施“三农”战略以来,XX县“三农”金融服务成效显著、社会反响强烈,其中“鲁比模式”还被作为经典成功案例进行推广,“三农”金融业务已成为XX县支行经营与发展的核心。为了更好地服务“三农”业务,发展“三农”业务,响应国家支持建设社会主义新农村的号召,履行国家赋予农行服务“三农”的社会责任,农行XX县支行采取一系列措施探索一条服务“三农”的可持续发展道路。而对于当前XX县农户的金融服务需求状况如何?XX县支行提供“三农"金融服务的效果到底怎样?如何提高农行XX县支行服务“三农”水平?等等这些问题均要通过实地调研,深入研究才能找出答案。本调研报告以农行XX县支行“三农”金融业务发展为研究对象,采用随机抽样调查的方法,对100名农户发放调查问卷,调查涉及农户基本情况、金融服务需求状况、殛县支行金融服务的效果等内容,并在通过相关文献资料总结农行XX县支行“三农”金融业务发展经验的基础上,深入剖析研究农行XX县支行甜三农”金融业务发展中存在的问题,并针对问题提出有效推进“三农”业务发展的具体对策建议,这些有益经验对于其他县域支行具有借鉴指导作用,帮助他们在探索服务“三农”业务的道路上少走弯路,更好地为农户提供金融服务,促进农村经济持续稳定发展。农行服务“三农”,发展“三农”是个循序渐进的过程,要实现可持续发展,不断提高服务水平,切实做到城乡业务共同发展,还要继续努力与积极探索。
[Abstract]:With the rapid development of economy, the agricultural economy of our country has made great progress, the living standard of farmers has been improved, and the new requirements for the financial service "three rural areas" business have been put forward, such as larger scale, wider content and higher level. The CPC Central Committee has also made it clear that the Agricultural Bank of China (ABC) has fulfilled the responsibility of providing commercial services to the "agriculture, countryside and farmers" by large state-owned banks, and has required the Agricultural Bank to make full use of its advantages in terms of strong capital strength, numerous business outlets and rich experience in financial services for agriculture, rural areas and farmers. The steady development of the "three rural" services in rural areas and the role of backbone and backbone in rural finance is a rare development opportunity for the Agricultural Bank of China. Xx County is the main commodity grain and sugar production base in our region. Since the implementation of the "San Nong" strategy in the national agricultural comprehensive development key counties, the financial services of "agriculture, rural areas and farmers" have achieved remarkable results and the social repercussions have been strong. Among them, the "Ruby model" has also been promoted as a classic success case. The financial business of agriculture, rural areas and farmers has become the core of the management and development of XX county branch. In order to better serve the "three rural" business, to develop the "three rural" business, to respond to the call of the state to support the construction of a new socialist countryside, and to fulfill the social responsibility entrusted by the State to the Agricultural Bank of China to serve the "three rural areas," The XX County Branch of Agricultural Bank of China takes a series of measures to explore a sustainable development road of serving agriculture, countryside and farmers. And for the current situation of the financial service demand of the farmers in XX County, what is the effect of providing "three rural" financial services by the XX county branch? How to improve the agricultural bank XX county branch service "three rural" level? And so on these questions all must pass the field investigation, the thorough research can find out the answer. This research report takes the development of agriculture, rural areas and farmers' financial business in XX County Branch of Agricultural Bank as the research object, adopts the method of random sampling investigation, distributes the questionnaire to 100 farmers, which involves the basic situation of the farmers, the situation of the financial service demand, On the basis of summarizing the financial business development experience of XX County Branch of Agricultural Bank of China on the basis of the financial service effect of the Zhixian County Branch, the paper summarizes the experience of the financial business development of the XX County Branch of the Agricultural Bank of China through the relevant literature. Deeply analyze and study the problems existing in the development of the financial business of Agriculture Bank of XX County, and put forward the concrete countermeasures and suggestions to effectively promote the development of the "three rural areas" business. These beneficial experiences can be used for reference and guidance for other county branch banks, help them to explore the road of serving "agriculture, rural areas and farmers" less detours, provide better financial services for farmers, and promote the sustained and stable development of rural economy. The Agricultural Bank of China serves the "three rural areas" and the development of the "three rural areas" is a gradual process. In order to achieve sustainable development, continuously improve the service level, and earnestly achieve the common development of urban and rural business, we must continue to make efforts and actively explore.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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