星沙农村商业银行发展存在的问题及对策研究
发布时间：2018-12-16 02:03
【摘要】：随着农村经济的不断发展,国家对“三农”问题更加重视,政府加大了对县域农村金融机构的改革。但是农村金融市场的薄弱和信用环境的不稳定,使正处于转型阶段的农村金融机构,既受到传统管理模式和经营方式的制约,又面临金融体制的约束等问题。本文针对星沙农村商业银行如何突破传统发展模式,更好的服务“三农”和实现自身的可持续发展这一课题展开讨论。 本文首先回顾了国内外农村金融机构的发展现状,对农村金融的理论进行了介绍,以星沙农村商业银行为研究对象,讨论改革中存在的贷款营销形势的被动性,行业发展的不均衡性以及管理理念和服务技能的单一性等主要问题,分析其形成的原因,并对农村商业银行的金融体制、资产重组、法制建设、经营机制与管理模式、信用坏境等方面提出建议和对策。 本文的创新点是：1.对比了星沙农村商业银行改革前后的经营状况,分析潜在风险,提出了星沙农村商业银行的最佳发展模式是建立起适合农村区域经济发展的运营模式。2.明确改革所遵循的宗旨。本文为农村商业银行的可持续发展以及农村新的金融环境的建立探索出一条新的道路。
[Abstract]:With the development of rural economy, the government pays more attention to the problems of "agriculture, countryside and farmers", and the government has increased the reform of rural financial institutions in county area. However, the weakness of the rural financial market and the instability of the credit environment make the rural financial institutions in the transition stage, which are not only restricted by the traditional management mode and management mode, but also faced with the constraints of the financial system. This paper discusses how Xingsha Rural Commercial Bank can break through the traditional development model, better serve the "three rural areas" and realize its own sustainable development. This paper first reviews the development of rural financial institutions at home and abroad, introduces the theory of rural finance, and discusses the passive role of loan marketing situation in the reform, taking Xingsha Rural Commercial Bank as the research object. The main problems such as the imbalance of industry development and the singularity of management idea and service skill are analyzed, and the reasons for its formation are analyzed, and the financial system, asset reorganization, legal system construction, management mechanism and management mode of rural commercial banks are analyzed. Some suggestions and countermeasures are put forward in respect of the bad credit situation. The innovation of this paper is as follows: 1. This paper compares the operating conditions of Xingsha Rural Commercial Bank before and after the reform, analyzes the potential risks, and puts forward that the best development mode of Xingsha Rural Commercial Bank is to establish a suitable operation model for rural regional economic development. 2. Define the purpose of the reform. This paper explores a new way for the sustainable development of rural commercial banks and the establishment of new financial environment in rural areas.
【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：2381668
[Abstract]:With the development of rural economy, the government pays more attention to the problems of "agriculture, countryside and farmers", and the government has increased the reform of rural financial institutions in county area. However, the weakness of the rural financial market and the instability of the credit environment make the rural financial institutions in the transition stage, which are not only restricted by the traditional management mode and management mode, but also faced with the constraints of the financial system. This paper discusses how Xingsha Rural Commercial Bank can break through the traditional development model, better serve the "three rural areas" and realize its own sustainable development. This paper first reviews the development of rural financial institutions at home and abroad, introduces the theory of rural finance, and discusses the passive role of loan marketing situation in the reform, taking Xingsha Rural Commercial Bank as the research object. The main problems such as the imbalance of industry development and the singularity of management idea and service skill are analyzed, and the reasons for its formation are analyzed, and the financial system, asset reorganization, legal system construction, management mechanism and management mode of rural commercial banks are analyzed. Some suggestions and countermeasures are put forward in respect of the bad credit situation. The innovation of this paper is as follows: 1. This paper compares the operating conditions of Xingsha Rural Commercial Bank before and after the reform, analyzes the potential risks, and puts forward that the best development mode of Xingsha Rural Commercial Bank is to establish a suitable operation model for rural regional economic development. 2. Define the purpose of the reform. This paper explores a new way for the sustainable development of rural commercial banks and the establishment of new financial environment in rural areas.
【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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