湖南省村镇银行发展问题研究
发布时间：2018-11-19 20:54
【摘要】：为了实现中国经济战略的转型,必须解决“三农”,问题,而为农村提供充足的、多层次的金融服务支持才是解决我国“三农”问题的关键。为此,国家设立了村镇银行这种新型农村金融机构,主要目的在于,对农村金融市场进行增量改革,扶持“三农”,促进农村多层次的金融供给,完善农村金融机构体系建设。 湖南省村镇银行的设立给湖南农村金融市场注入了新的活力,使得农村地区一直以来被忽视的农户及小型农产品加工企业的金融需求得到了满足,产生了一定的“汤水效应”和“鳃鱼效应”。但是,通过五年的运营来看,湖南省村镇银行的发展并没有很好的完成它的任务,在发展的道路上出现了一些问题,这些问题如果得不到及时解决必定会影响村镇银行的持续稳定发展。 本文通过实地调研了解了目前湖南省村镇银行管理、运营的现状,并且总结了湖南省村镇银行发展过程的特点。据此将湖南省的村镇银行与国内外不同的成功农村金融机构比较,再通过比较分析发现了湖南省村镇银行发展中暴露出的一些定位、资金、产品方面的具体问题。再通过对国内外成功农村金融机构经验的学习,提出对湖南省村镇银行未来发展的具体建议。
[Abstract]:In order to realize the transformation of China's economic strategy, it is necessary to solve the problems of "agriculture, countryside and farmers", and to provide adequate and multi-level financial service support to the countryside is the key to solve the problem of "agriculture, rural areas and farmers" in China. For this reason, the country has set up the village bank, a new type of rural financial institution, the main purpose of which is to carry out incremental reform of the rural financial market, to support the "three rural areas", to promote the rural multi-level financial supply, and to perfect the construction of the rural financial institution system. The establishment of the Village and Town Bank of Hunan Province has injected new vitality into the Hunan rural financial market, which has made the financial needs of rural households and small agricultural product processing enterprises that have been neglected for a long time met. A certain "soup effect" and "Gill fish effect". However, from the point of view of five years of operation, the development of Hunan Village and Town Bank has not fulfilled its task very well, and there have been some problems on the road of development. If these problems can not be solved in time, it will affect the sustainable and stable development of village banks. Based on the field investigation, this paper finds out the present situation of village bank management and operation in Hunan province, and summarizes the characteristics of the development process of Hunan village bank. Based on this, the village banks in Hunan Province are compared with different successful rural financial institutions at home and abroad, and through comparative analysis, some problems in the development of village banks in Hunan Province are found out in terms of positioning, funds and products. By studying the experience of successful rural financial institutions at home and abroad, the paper puts forward some concrete suggestions for the future development of Hunan Village Bank.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2343392
[Abstract]:In order to realize the transformation of China's economic strategy, it is necessary to solve the problems of "agriculture, countryside and farmers", and to provide adequate and multi-level financial service support to the countryside is the key to solve the problem of "agriculture, rural areas and farmers" in China. For this reason, the country has set up the village bank, a new type of rural financial institution, the main purpose of which is to carry out incremental reform of the rural financial market, to support the "three rural areas", to promote the rural multi-level financial supply, and to perfect the construction of the rural financial institution system. The establishment of the Village and Town Bank of Hunan Province has injected new vitality into the Hunan rural financial market, which has made the financial needs of rural households and small agricultural product processing enterprises that have been neglected for a long time met. A certain "soup effect" and "Gill fish effect". However, from the point of view of five years of operation, the development of Hunan Village and Town Bank has not fulfilled its task very well, and there have been some problems on the road of development. If these problems can not be solved in time, it will affect the sustainable and stable development of village banks. Based on the field investigation, this paper finds out the present situation of village bank management and operation in Hunan province, and summarizes the characteristics of the development process of Hunan village bank. Based on this, the village banks in Hunan Province are compared with different successful rural financial institutions at home and abroad, and through comparative analysis, some problems in the development of village banks in Hunan Province are found out in terms of positioning, funds and products. By studying the experience of successful rural financial institutions at home and abroad, the paper puts forward some concrete suggestions for the future development of Hunan Village Bank.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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