我国村镇银行发展问题与对策研究
发布时间：2018-09-15 20:09
【摘要】：目前，以村镇银行为主体的新型农村金融机构在有效解决我国现有农村区域银行业金融机构覆盖率低、金融服务缺失、竞争不充分、金融供给不足等问题方面正发挥着日益重要的积极作用。但是，村镇银行在发展过程中依然存在不少问题。一方面是由于自身成立时间较短，内部机制还不够成熟；另一方面在于我国农业经济具有收益小、风险大等一系列特点，客观上造成了村镇银行在市场服务与自身收益方面存在巨大偏差，严重干扰了其未来的发展方向和市场定位。因此，如何解决好村镇银行在当前发展中所存在的问题以及寻求适合自身的发展道路，是振兴实体经济产业和新农村建设的一项重要研究课题。 本文以我国村镇银行为研究对象，主要侧重于其在发展过程中所存在的问题以及相关对策的研究。首先，简单概述了我国村镇银行的发展现状，并通过与农村商业银行、城市商业银行进行对比分析，，揭示了村镇银行的主要特点；其次，对其发展过程中存在的相关问题进行了系统剖析，发现村镇银行在股权结构、支付结算系统、市场定位以及吸储能力等方面存在不足；再次，总结了尤努斯银行模式在支农服务中取得的经验与教训，并着重提出了我国村镇银行应该如何权衡市场机制与政府监管的关系；最后，针对我国村镇银行所存在的问题，在借鉴国际经验的基础上，分别从淡化发起行制度、构建多元化融资渠道、统一支付结算平台、矫正市场定位以及完善农村金融生态环境等方面提出了具体对策。
[Abstract]:At present, the new rural financial institutions with village banks as the main body are playing an increasingly important and positive role in effectively solving the problems of low coverage rate, lack of financial services, inadequate competition and insufficient financial supply of the existing rural banking institutions in China. On the one hand, the internal mechanism is not mature enough because of its short establishment time; on the other hand, the agricultural economy of our country has a series of characteristics, such as small income, high risk, etc., which objectively caused a huge deviation in the market service and self-income of village banks, seriously interfering with its future development direction and market positioning. Therefore, how to solve the problems existing in the current development of village banks and find a suitable way for their own development is an important research topic for the revitalization of the real economic industry and the construction of new countryside.
In this paper, the rural banks in China as the research object, mainly focusing on the problems in the development process and related countermeasures. First of all, a brief overview of the development status of rural banks in China, and through a comparative analysis with rural commercial banks, urban commercial banks, revealed the main characteristics of rural banks; second, on the rural banks. In the process of its development, the related problems are systematically analyzed, and it is found that there are some shortcomings in the ownership structure, payment and settlement system, market positioning and storage capacity of village banks. Thirdly, the paper summarizes the experience and lessons of Yunus'bank model in supporting agriculture services, and puts forward emphatically how the village banks should be empowered in China. Finally, in view of the problems existing in our country's rural banks, and on the basis of drawing lessons from international experience, this paper puts forward concrete countermeasures from diluting the initiating bank system, constructing diversified financing channels, unifying the payment and settlement platform, rectifying the market positioning and improving the rural financial ecological environment.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2244380
[Abstract]:At present, the new rural financial institutions with village banks as the main body are playing an increasingly important and positive role in effectively solving the problems of low coverage rate, lack of financial services, inadequate competition and insufficient financial supply of the existing rural banking institutions in China. On the one hand, the internal mechanism is not mature enough because of its short establishment time; on the other hand, the agricultural economy of our country has a series of characteristics, such as small income, high risk, etc., which objectively caused a huge deviation in the market service and self-income of village banks, seriously interfering with its future development direction and market positioning. Therefore, how to solve the problems existing in the current development of village banks and find a suitable way for their own development is an important research topic for the revitalization of the real economic industry and the construction of new countryside.
In this paper, the rural banks in China as the research object, mainly focusing on the problems in the development process and related countermeasures. First of all, a brief overview of the development status of rural banks in China, and through a comparative analysis with rural commercial banks, urban commercial banks, revealed the main characteristics of rural banks; second, on the rural banks. In the process of its development, the related problems are systematically analyzed, and it is found that there are some shortcomings in the ownership structure, payment and settlement system, market positioning and storage capacity of village banks. Thirdly, the paper summarizes the experience and lessons of Yunus'bank model in supporting agriculture services, and puts forward emphatically how the village banks should be empowered in China. Finally, in view of the problems existing in our country's rural banks, and on the basis of drawing lessons from international experience, this paper puts forward concrete countermeasures from diluting the initiating bank system, constructing diversified financing channels, unifying the payment and settlement platform, rectifying the market positioning and improving the rural financial ecological environment.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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