博弈论视角下的村镇银行可持续发展对策研究

发布时间：2018-11-20 12:59

【摘要】：党的十八大报告明确提出：坚持走中国特色新型工业化、信息化、城镇化、农业现代化道路；这将成为我国今后经济的增长和社会发展提供强大引擎,同时也是推动我国城乡一体化发展、解决“三农”问题的根本途径。支持新型城镇化建设、推动城乡一体化建设和解决“三农”必须要有一个开放性、有序性和竞争性的多元化农村金融体系来支撑。2006年我国开始农村金融增量改革,新设立了一项新型农村金融机构--村镇银行,作为我国农村金融市场增量式改革的重要内容,村镇银行被赋予了“补位”和“激活”农村金融市场的历史重任；但村镇银行作为新生事物的金融机构在赋予历史重任的同时,其前提条件是要实现自身的可持续发展,村镇银行作为新型的农村金融机构,由于其成立的时间不长,自身发展的管理不足和相关发展配套措施还存在不够完善的地方,这将影响到我国村镇银行自身的可持续发展和肩负的历史使命。通过引入博弈理论对村镇银行的相关利益主体进行分析,从而寻找到影响我国村镇银行可持续发展的因素,并就其影响因素提出相关的对策。首先在查阅、收集、整理和学习国内外学者关于博弈理论、可持续发展理论、金融监管和金融创新理论的基础上,通过总结国内外学者关于村镇银行可持续发展的研究方法和取得的研究成果,然后详细介绍我国村镇银行成立的背景和发展现状,再运用博弈论的方法具体分析村镇银行与农户及中小企业、政府监管部门和其他农村金融机构间的利益关系,得出影响我国村镇银行可持续发展的因素有我国农村信用体系缺失、村镇银行资金来源受限、村镇银行监管体制和政策环境不健全、村镇银行支付结算体系不健全、村镇银行有效金融产品不足和村镇银行市场定位偏离目标等；最后从完善我国农村信用担保体系建设、拓宽村镇银行资金来源、完善村镇监管体制及加大政策支持力度、完善村镇银行支付结算体系、资金金融产品供给和明确村镇银行市场定位等方面提出了我国村镇银行可持续发展的对策。
[Abstract]:The report of the 18th National Congress of the Communist Party of China clearly put forward: adhere to the new industrialization with Chinese characteristics, information, urbanization, agricultural modernization; This will be a powerful engine for economic growth and social development in the future, and also a fundamental way to promote the integration of urban and rural areas in China and to solve the problems of "three rural areas". To support the construction of new urbanization, to promote urban-rural integration and to solve the problem of "agriculture, countryside and farmers", we must have an open, orderly and competitive diversified rural financial system. A new rural financial institution, Village Bank, has been set up. As an important part of incremental reform of rural financial market, village bank has been entrusted with the historical responsibility of "replenishing position" and "activating" rural financial market. However, as the financial institution of the new things, the village bank is endowed with a heavy historical responsibility, and its prerequisite is to realize its own sustainable development. As a new type of rural financial institution, the village bank is not established for a long time. The insufficient management of self-development and the relative measures of supporting development are not perfect, which will affect the sustainable development and historical mission of our country's village banks. Through the introduction of game theory to the relevant stakeholders of village banks to find out the factors that affect the sustainable development of rural banks in China and put forward the relevant countermeasures. First of all, on the basis of consulting, collecting, sorting out and studying the theories of game theory, sustainable development theory, financial supervision and financial innovation, By summarizing the research methods and achievements of the scholars at home and abroad on the sustainable development of village banks, the background and development status of the establishment of village banks in China are introduced in detail. Then using the method of game theory to analyze the relationship between rural banks and farmers, small and medium-sized enterprises, government supervision departments and other rural financial institutions. The factors that affect the sustainable development of rural banks in China are the lack of rural credit system, the limited source of funds, the imperfect supervision system and policy environment, the imperfect payment and settlement system of rural banks. Lack of effective financial products of village bank and deviation of market orientation of village bank; Finally, from perfecting the construction of rural credit guarantee system in our country, widening the fund source of village bank, perfecting the supervision system of village and town and increasing policy support, perfecting the payment and settlement system of village bank. This paper puts forward the countermeasures of sustainable development of village banks in China from the aspects of supply of funds and financial products and clear market orientation of village banks.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35;F224.32

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