我国村镇银行存在的问题及对策分析

发布时间：2018-08-20 19:46

【摘要】：随着改革开放的不断深入，我国金融改革也取得了一定的进展。农村金融作为金融体系的一个有机组成部分，也处于改革和创新的前沿。农村金融机构服务“三农”的能力在不断增强，农村金融产品开发和服务方式创新也使得农村金融机构更加符合“三农”的要求。村镇银行是新型农村机构的主导力量，对于新农村建设和城乡协调发展，对于农业增产农民增收起到了非常有力的支持作用。经过五年的发展，村镇银行的队伍不断壮大，截至2011年年底，全国242家银行业金融机构共发起设立726家村镇银行，成立范围从最初的六个试点地区扩大到了全国各个省区，发展速度不断加快，资本规模也不断增加。但是村镇银行在发展过程中存在的问题也逐步暴露出来，本文通过研究村镇银行的发展现状，分析村镇银行发展过程中存在的问题及原因，提出了对策和建议，以期村镇银行可持续发展。本文共分为五个部分，第一部分介绍本文的研究背景和意义，对国内外研究现状与成果进行分析综述；第二部分介绍村镇银行的概念、特点、业务经营范围等；第三部分通过对我国村镇银行发展现状的分析，并以宝丰豫丰村镇银行的发展为案例，指出我国村镇银行存在的问题和原因；第四部分借鉴国外村镇银行的成功经验，从中得到对我国村镇银行建设的启示；第五部分针对前述问题及原因提出保障村镇银行持续稳定发展的对策和建议。
[Abstract]:With the deepening of reform and opening up, China's financial reform has also made some progress. As an organic part of the financial system, rural finance is also in the forefront of reform and innovation. The ability of rural financial institutions to serve "agriculture, rural areas and farmers" is constantly enhanced, and the development of rural financial products and the innovation of service methods also make rural financial institutions more in line with the requirements of "agriculture, countryside and farmers". The village and town bank is the leading force of the new rural organization, which plays a very powerful role in supporting the construction of the new countryside and the coordinated development of the urban and rural areas, and in increasing the income of the farmers. After five years of development, the ranks of village and town banks have continued to grow. By the end of 2011, 242 banking financial institutions throughout the country had initiated the establishment of 726 village and town banks, the scope of which had been expanded from the first six pilot areas to all provinces and autonomous regions of the country. The speed of development continues to accelerate and the scale of capital increases. However, the problems existing in the development of village banks are gradually exposed. This paper analyzes the problems and causes in the development of village banks, and puts forward some countermeasures and suggestions. With a view to sustainable development of rural banks. This paper is divided into five parts. The first part introduces the research background and significance of this paper, and analyzes the current situation and results of the research at home and abroad, the second part introduces the concept, characteristics, business scope of the village bank, and so on. The third part points out the problems and causes of the development of the village bank in our country through the analysis of the present situation of the development of the village and town bank in our country and takes the development of the village bank of Baofeng Yufeng as a case; the fourth part draws lessons from the successful experience of the foreign village bank. The fifth part puts forward the countermeasures and suggestions to ensure the sustainable and stable development of the village banks in view of the above problems and reasons.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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