江苏省村镇银行发展研究

发布时间：2018-04-09 12:39

本文选题：村镇银行　切入点：农村金融环境　出处：《海南大学》2014年硕士论文

【摘要】：近年来,中国农村经济快速发展,农村经济突破传统农业,如水产养殖和小型工业的边界,逐步向工业,建筑业,运输和服务等行业深入。同时农业生产方式也在发生深刻的变化,农业产业化项目、农村产业集群、农村服务业集群以及各种协会、农业合作社等多种经营模式如雨后春笋般的发展起来,农村经济的“宽度”和“深度”都得到了相当大的提升,农村经济的发展使农村对金融服务的需求也得到了很大提高,但农村的金融需求却几乎成了“被遗忘的角落”。村镇银行作为一种新型的银行业态模式,为我国农村的金融服务需求提供了另外的一种选择,从2007年首家村镇银行的设立到现在,村镇银行在一定程度上改变了我国农村的金融服务格局,解决了部分农业发展过程中资金短板的问题。江苏省是我国的农业大省,但由于江苏省地域辽阔,区域经济和社会发展水平方面都存在这很大的差异,导致对资金的需求有很大的不同。江苏省一部分农村地区由于市场化程度较高,个体经济迅猛发展,农业产业化调整深入,已逐步形成了个体经济、农业产业化等多种经济形式并存的格局。无论从人均存款还是人均贷款来看,江苏省对资金需求均要比全国高。同时,农村地区受传统理财习俗的影响较深,加上不完善的社保制度以及不匹配物价增长与收入增长,使得江苏省农村地区存在着巨大的存贷差。而且江苏省农村新型金融机构发展还不够成熟,使得农村地区大量的存贷差没有得到充分地利用。村镇银行由于其在资源配置的作用,必将在江苏省农村金融体系中占据更为重要的位置。本文通过对江苏省农村经济发展情况和金融环境进行分析,结合国外社区银行发展的模式及经营理念,结合其他省份相关村镇银行发展规模、经营模式、股权构成等方面的经验,研究江苏省村镇银行发展的优势和局限性,确定江苏省村镇银行可持续发展的路径。同时剖析江苏省当前村镇银行发展现状,找出其发展中存在的问题,分析江苏省村镇银行在产权结构、成本管理、业务拓展模式、融资模式、目标市场定位、风险监管等方面普遍存在的问题,并且提出相对应的对策建议。
[Abstract]:In recent years, China's rural economy has developed rapidly. The rural economy has broken through the boundaries of traditional agriculture, such as aquaculture and small-scale industries, and has gradually deepened into industries such as industry, construction, transportation and service.At the same time, the mode of agricultural production is also undergoing profound changes. Agricultural industrialization projects, rural industrial clusters, rural service clusters, various associations, agricultural cooperatives, and other diversified business models have sprung up.The "width" and "depth" of rural economy have been greatly improved, and the development of rural economy has greatly increased the demand for financial services in rural areas, but the financial demand in rural areas has almost become a "forgotten corner".As a new type of banking mode, village bank provides another choice for the rural financial service demand of our country, from the establishment of the first village bank in 2007 to now.To some extent, village banks have changed the pattern of rural financial services in China, and solved the problem of shortage of funds in the course of agricultural development.Jiangsu Province is a big agricultural province in China, but due to its vast territory, there are great differences in the level of regional economic and social development, leading to a great difference in the demand for funds.Due to the high degree of marketization, the rapid development of individual economy and the deep adjustment of agricultural industrialization, some rural areas of Jiangsu Province have gradually formed a pattern of coexistence of individual economy, agricultural industrialization and other economic forms.Whether from the per capita deposits or loans per capita, Jiangsu Province has a higher demand for capital than the country.At the same time, the rural areas are deeply influenced by the traditional financial management customs, coupled with the imperfect social security system and the mismatch between price growth and income growth, which makes the rural areas of Jiangsu Province have a huge difference between savings and loans.Moreover, the development of new rural financial institutions in Jiangsu Province is not mature enough, making a large number of savings and loans in rural areas have not been fully utilized.Village banks will play a more important role in the rural financial system of Jiangsu province because of their role in resource allocation.Based on the analysis of rural economic development and financial environment in Jiangsu Province, the paper combines the development model and management concept of foreign community banks, and combines with the scale and management mode of the development of village and town banks in other provinces.The paper studies the advantages and limitations of the development of Jiangsu Village Bank, and determines the sustainable development path of Jiangsu Village Bank.At the same time, it analyzes the current situation of village bank development in Jiangsu Province, finds out the existing problems in its development, analyzes the property right structure, cost management, business expansion model, financing model, target market positioning of Jiangsu village bank.Risk supervision and other common problems, and put forward corresponding countermeasures.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

【参考文献】