德阳市村镇银行发展对策研究
发布时间：2018-09-10 15:58
【摘要】：我国大部分农村地区处于“资金缺乏”的现状,导致农业投资不足,发展比较缓慢,作为全国经济中心之一的四川省,农村金融发展同样面临着资金缺乏的现状,农村金融作为现代农村经济的核心,成为激活农村金融环境对农村的发展的关键性因素。四川省近年来极力改变这一现状,开始村镇银行试点,并逐年增加,经多年运营证明,村镇银行对解决四川地区农村地区资金短缺,金融支持力度不足和农村经济发展做出了贡献,然而四川地区村镇银行正面临着市场定位异化、金融创新不足,配套设施不完善金融环境不透明等难题。村镇银行发展现状及障碍因素分析,能否增加农村地区的资金需求,将成为推动我国农村地区经济金融发展的关键。因此,本研究对村镇银行发展具有现实意义。本文首先归纳总结村镇银行研究背景、研究目的和意义,其次回顾了国内外相关的基础理论研究,在概念上对村镇银行进行了界定,明确了建设村镇银行建设的条件和具体标准。接下来以德阳村镇银行为代表进行实例分析,分别从德阳地区社会经济发展概况、经济发展态势、农村金融市场等方面进行调研。在此基础上重点运用SWOT分析法分析德阳市村镇银行发展的优势、劣势、机遇及挑战,并得出战略组合分析图上定位,得出德阳村镇银行适合多种经营式战略发展模式。在此基础上,本文提出如下建议：德阳市村镇银行需明确三农服务定位,大力发挥村镇银行优势;创新金融服务渠道模式,扩大村镇银行服务半径；加强自身建设,破解资本流失难题：创新金融产品,提高服务能力；严格招聘条件,提高人员素质；分类差异化指导,防范村镇银行经营风险;完善政策扶持体系,促进村镇银行可持续发展,通过以上对策丰富和完善德阳农村金融体系,以促进德阳区农村金融经济的持续、稳定、健康发展提供一定的依据。
[Abstract]:Most rural areas in our country are in the situation of "lack of funds", which leads to insufficient investment in agriculture and relatively slow development. As one of the economic centers of the country, Sichuan Province, the rural financial development is also facing the current situation of lack of funds. As the core of modern rural economy, rural finance has become the key factor to activate the rural financial environment. In recent years, Sichuan Province has tried its best to change this situation and started the pilot project of village and town banks, which has been increasing year by year. After years of operation, village and town banks have proved to be effective in solving the shortage of funds in rural areas in Sichuan. The lack of financial support and the rural economic development have contributed to the development of the rural economy. However, the village and town banks in Sichuan are facing the problems of market orientation alienation, insufficient financial innovation, imperfect supporting facilities, opaque financial environment, and so on. The analysis of the present situation and obstacle factors of the development of village banks will be the key to promote the development of economy and finance in rural areas. Therefore, this research has the realistic significance to the village bank development. Firstly, this paper summarizes the background, purpose and significance of village bank research, then reviews the basic theoretical research at home and abroad, and defines the concept of village bank. Clear the construction of village and town bank construction conditions and specific standards. Then the Deyang Village Bank as a representative of the case analysis, respectively from the Deyang area socio-economic development situation, rural financial markets and other aspects of research. On this basis, the paper analyzes the advantages, disadvantages, opportunities and challenges of the development of Deyang Village Bank by using SWOT analysis method, and draws the position on the strategic combination analysis diagram, and concludes that the Deyang Village Bank is suitable for the diversified strategic development model. On this basis, this paper puts forward the following suggestions: Deyang Village Bank needs to define the orientation of rural, rural and rural services, give full play to the advantages of rural banks; innovate the financial service channel model, expand the radius of rural bank services; strengthen its own construction. Solving the problem of capital loss: innovating financial products, improving service ability, strictly recruiting conditions, improving the quality of personnel, classifying differentiation guidance, preventing the risk of village bank management, perfecting the policy support system, promoting the sustainable development of village bank, The above countermeasures enrich and perfect the rural financial system of Deyang, in order to promote the sustained, stable and healthy development of the rural financial economy in Deyang.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
本文编号：2234920
[Abstract]:Most rural areas in our country are in the situation of "lack of funds", which leads to insufficient investment in agriculture and relatively slow development. As one of the economic centers of the country, Sichuan Province, the rural financial development is also facing the current situation of lack of funds. As the core of modern rural economy, rural finance has become the key factor to activate the rural financial environment. In recent years, Sichuan Province has tried its best to change this situation and started the pilot project of village and town banks, which has been increasing year by year. After years of operation, village and town banks have proved to be effective in solving the shortage of funds in rural areas in Sichuan. The lack of financial support and the rural economic development have contributed to the development of the rural economy. However, the village and town banks in Sichuan are facing the problems of market orientation alienation, insufficient financial innovation, imperfect supporting facilities, opaque financial environment, and so on. The analysis of the present situation and obstacle factors of the development of village banks will be the key to promote the development of economy and finance in rural areas. Therefore, this research has the realistic significance to the village bank development. Firstly, this paper summarizes the background, purpose and significance of village bank research, then reviews the basic theoretical research at home and abroad, and defines the concept of village bank. Clear the construction of village and town bank construction conditions and specific standards. Then the Deyang Village Bank as a representative of the case analysis, respectively from the Deyang area socio-economic development situation, rural financial markets and other aspects of research. On this basis, the paper analyzes the advantages, disadvantages, opportunities and challenges of the development of Deyang Village Bank by using SWOT analysis method, and draws the position on the strategic combination analysis diagram, and concludes that the Deyang Village Bank is suitable for the diversified strategic development model. On this basis, this paper puts forward the following suggestions: Deyang Village Bank needs to define the orientation of rural, rural and rural services, give full play to the advantages of rural banks; innovate the financial service channel model, expand the radius of rural bank services; strengthen its own construction. Solving the problem of capital loss: innovating financial products, improving service ability, strictly recruiting conditions, improving the quality of personnel, classifying differentiation guidance, preventing the risk of village bank management, perfecting the policy support system, promoting the sustainable development of village bank, The above countermeasures enrich and perfect the rural financial system of Deyang, in order to promote the sustained, stable and healthy development of the rural financial economy in Deyang.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
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