哈尔滨市县域农行发展问题研究

发布时间：2018-02-07 16:35

本文关键词： 县域农行发展哈尔滨　出处：《吉林大学》2012年硕士论文　论文类型：学位论文

【摘要】：进入21世纪的中国，作为一个农业大国，城市现代化，二、三产业发展，城市居民的殷实，受制于农村的进步、农业的发展、农民的小康相对滞后的问题。“三农”问题一直以来是全党工作的重中之重，解决“三农”问题离不开现代农村金融的支持和配合。随着农村经济发展和社会主义新农村建设的推进，县域经济领域蕴藏着广阔的市场空间和难得的商业机遇，而县域金融是县域经济发展的重要支撑。近年来，国内各家商业银行纷纷向农村市场进军，农业银行如何加快县域金融改革，建立符合城乡统筹发展要求的经营管理体系，推进县域城乡一体化，稳步扩大农村有有效市场占有份额，成为目前亟待研究的重要课题。哈尔滨县域地区土质肥沃，地势平坦，耕地连片，水源充足，具有发展农业生产的良好自然条件。近年来，在中央一系列“三农”政策的带动下，哈尔滨县域经济发展态势持续向好，农业产业结构进一步优化，农业机械化、现代化水平稳步提升，农村城镇化步伐明显加快。本论文以商业银行核心竞争力理论为基础，通过基础数据统计、典型调查、比较分析等研究方法，对哈尔滨市县域农行发展问题进行深入研究。首先，阐述现代商业银行核心竞争理论的内涵、主要内容及约束条件，是县域金融机构发展问题研究的理论基础。然后从哈尔滨市县域农行机构、人员、经营利润及重点支行与其他金融机构的业务比较等方面，通过数据分析与比较分析等研究方法，对哈尔滨市县域农行经营发展的现状进行深入研究，通过分析指出哈尔滨市县域农行在领导干部配与管理、县域机构设置、员工教育及政策支持等方面存在制约发展的问题。最后，针对目前制约哈尔滨市县域农行发展的问题，从加强县域领导干部锻炼与选配、合理调整县域网点布局、创新经营管理机制、健全激励约束机制、积极打造流程银行、加快推进重点行发展、加强电子服务渠道建设等七个方面提出解决哈尔滨市县域农行发展问题的对策与建议，，以有效推动各项业务的持续扩展。本研究为哈市县域农行的改革发展提出可供参考的建议，对其他县域金融企业改革具有一定的借鉴和指导意义。
[Abstract]:In twenty-first Century Chinese, as a large agricultural country, city modernization, two, the development of the three industry, city residents will, subject to the rural development, agricultural development, farmers relatively lag. "Three rural issues" has always been a priority among priorities of the party's work, solve the "three rural issues" from without the modern rural financial support and cooperation. With the development of the rural economy and the construction of new socialist countryside, the county economy has a broad market space and rare business opportunities, while the county finance is an important support for the county's economic development. In recent years, domestic commercial banks have to enter the rural market, the Agricultural Bank how to speed up the county finance reform, established in accordance with the requirements of the development of urban and rural management system, promoting the integration of urban and rural areas, rural areas have steadily expanded the effective market share, become It is an important subject to be studied at present.
Harbin county area of fertile soil, flat terrain, land contiguous, adequate water, with good natural conditions for the development of agricultural production. In recent years, in the middle of a series of "three agriculture" policy driven, the development trend of Harbin county economy continues to improve, and further optimize the agricultural industry structure, agricultural mechanization, modernization level steadily, pace rural urbanization is accelerated. This thesis is based on the theory of the core competitiveness of commercial banks, based on statistical data, typical survey, comparative analysis and other research methods, in-depth study of the development of County Agricultural Bank of Harbin city. Firstly, elaborates the connotation of the modern commercial bank core competition theory, the main contents and constraints, is the theoretical basis of the development of county financial institutions. Then the staff from the bank institutions, county of Harbin City, operating profit and heavy point branch and other financial institutions Business aspects of structure, through data analysis and comparative analysis and other research methods, in-depth study of the status quo of Harbin County agricultural business development, pointed out that Harbin County Leading Cadres in the coordination and management of county institutions, through analysis, existing problems of restricting the development of employee education and policy support. Finally, according to the at present, restricting the development of county of Harbin City, from strengthening the county leading cadres training and selection, reasonable adjustment of the network layout, innovation management mechanism, improve the incentive and restraint mechanisms, and actively build process bank, accelerate key for development, put forward countermeasures and suggestions to solve the problems of county agricultural development of Harbin City, the seven aspects of strengthening electronic services the channel construction, in order to effectively promote the continued expansion of the business. The research for the reform and development of Harbin county are presented The suggestions for reference are of certain reference and guiding significance to the reform of other county financial enterprises.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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