菏泽市农村信用社经营绩效提升策略研究

发布时间：2019-03-14 11:42

【摘要】：农村信用社，是指经我国人民银行批准设立，主要为社会提供金融服务的农村合作金融机构。由于农业生产者和小商品生产者对资金的需求较小，而资信水平不高、信息不完善，使得小生产者和农民很难得到大银行的贷款支持，在这种情况下，农村信用社便应运而生。当前，随着我国市场经济的不断发展，商业银行进入了新一轮的改革轨道。作为传统商业银行中比较特别的农村信用社，也在进行较大规模的改革，改革的一个重要任务是通过对农村信用社实施网络化建设，进一步促进了农村信用社的健康发展，使之成为广大农村地区的重要金融服务机构。但是，由于利率市场化的不断推进，农村信用社的发展正面临着新的机遇和挑战。对于数量众多、资产规模较小、经营管理水平较低、风险防范能力较差的农村信用社来说，如何在利率市场化背景下根据自身的特色,拓展新的业务渠道,在与商业银行的竞争中提升自己的经营绩效，这是急需解决的一个重要问题。本文在我国利率市场化背景下，分析我国利率市场化的演变进程与现状，结合理论知识分析出利率市场化给地方法人金融机构带来的新机遇与挑战。通过实证分析，，总结出农信社在经营绩效中存在的不足，并提出相应的对策建议，为金融机构未来在应对利率市场化中如何提升自身的经营绩效起到了借鉴作用。
[Abstract]:Rural credit cooperatives (RCCs) are rural cooperative financial institutions approved by the people's Bank of China, which mainly provide financial services to the society. Because the agricultural producers and small commodity producers have little demand for capital, but the credit level is not high and the information is not perfect, it is difficult for the small producers and farmers to get the loan support from the big banks. In this case, the rural credit cooperatives have emerged as the times require. At present, with the continuous development of China's market economy, commercial banks have entered a new round of reform track. As a special rural credit cooperative in traditional commercial banks, it is also carrying out a large-scale reform. One of the important tasks of the reform is to further promote the healthy development of rural credit cooperatives through the implementation of the network construction of rural credit cooperatives. Make it an important financial service institution in the vast rural areas. However, with the development of interest rate marketization, the development of rural credit cooperatives is facing new opportunities and challenges. For a large number of rural credit cooperatives with small scale of assets, low level of management and poor risk prevention ability, how to expand new business channels under the background of interest rate marketization, according to their own characteristics, In the competition with commercial banks, it is an important problem that needs to be solved urgently. Under the background of interest rate marketization in China, this paper analyzes the evolution process and present situation of interest rate marketization in China, and analyzes the new opportunities and challenges brought by interest rate marketization to local legal person financial institutions in combination with theoretical knowledge. Through the empirical analysis, this paper summarizes the shortcomings of the rural credit cooperatives in the management performance, and puts forward the corresponding countermeasures and suggestions, which plays a reference role for financial institutions how to improve their own business performance in the future in response to the marketization of interest rates.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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