睢县德商村镇银行的可持续发展研究

发布时间：2018-04-03 18:23

本文选题：村镇银行　切入点：可持续发展　出处：《河南师范大学》2015年硕士论文

【摘要】：随着我国经济的快速发展,城乡经济结构二元化特征日益显著,其主要表现在农村地区经济发展缓慢。农村是我国国民经济的基础,而发展农村经济需要农村金融体系的强力支持。目前,我国农村地区的金融体系还不够完善,使得农村地区的金融机构存在分支机构较少、服务差、效率低、资金流动方向偏差等一系列问题,无法满足农村地区对资金的需求。为了解决这一难题,银监会按照“低门槛,严监管”的原则,在2006年开始试点以“村镇银行”为代表的新型金融机构。村镇银行的设立目的是为当地农村地区的发展提供资金支持,打破现有的农村金融体系,促进农村地区金融机构的良性竞争,为建设我国社会主义新农村做出了重大贡献。但是,村镇银行作为一种新型金融机构,其发展过程中不可避免的会面临一系列阻碍其可持续发展的问题,如何实现其可持续发展是我们当前急需解决的难题。本文主要分为五个部分:第一部分为绪论,主要介绍文章的选题背景及意义、国内外文献综述、研究思路与方法、创新和不足等问题;第二部分首先界定村镇银行的概念、特征、与其他金融机构的比较以及我国村镇银行的发展现状,在此基础上提出了阻碍村镇银行可持续发展的主要问题;第三部分首先介绍睢县德商村镇银行设立的背景及其发展现状,由此提出睢县德商村镇银行面临的主要问题及其根源;第四部分主要介绍国内外村镇银行的成功经验;第五部分主要是对睢县德商村镇银行的可持续发展提出对策及建议。本文的研究也可为其他村镇银行的可持续发展提供借鉴及应用价值。本文在总结相关理论文献的基础上,对睢县德商村镇银行发展过程中面临的问题具体分析,在总结国内外村镇银行成功经验的基础上,提出了促进该行可持续发展的对策建议,这是本文的创新之处。本文的不足在于:首先是笔者在数据收集方面存在不足,不能完整体现村镇银行的发展现状;其次是睢县德商村镇银行成立时间较短,数据不具有对比性;最后是由于村镇银行发展中遇到的问题较多,涉及的方面也较多,限于本人的学识,本文的理论深度可能未达到令人满意的程度。
[Abstract]:With the rapid development of China's economy, the dualization of urban and rural economic structure is becoming more and more prominent, which is mainly reflected in the slow economic development in rural areas.Rural is the foundation of our national economy, and the development of rural economy needs the strong support of rural financial system.At present, the financial system in rural areas of our country is not perfect enough. As a result, financial institutions in rural areas have a series of problems, such as fewer branches, poor service, low efficiency, deviation in the direction of capital flow, and so on.The need for funds in rural areas cannot be met.In order to solve this problem, the CBRC, in accordance with the principle of "low threshold, strict supervision", began to pilot a new type of financial institution represented by "Village Bank" in 2006.The purpose of the establishment of village bank is to provide financial support for the development of local rural areas, break the existing rural financial system, promote the healthy competition of financial institutions in rural areas, and make great contributions to the construction of a new socialist countryside in China.However, as a new type of financial institution, village bank will inevitably face a series of problems that hinder its sustainable development in the process of its development. How to achieve its sustainable development is a difficult problem that we urgently need to solve.This paper is divided into five parts: the first part is the introduction, mainly introduces the background and significance of the article, literature review, research ideas and methods, innovation and deficiencies. The second part defines the concept of village bank.Compared with other financial institutions and the current situation of the development of rural banks in China, the paper puts forward the main problems that hinder the sustainable development of rural banks.The third part first introduces the background and development status of Sui County Deshang Village Bank, and then puts forward the main problems and root causes faced by Sui County Deshang Village Bank, the fourth part mainly introduces the successful experience of the domestic and foreign village banks.The fifth part mainly puts forward the countermeasure and suggestion to the sustainable development of Sui County Deshang Village Bank.The research in this paper can also provide reference and application value for the sustainable development of other village banks.On the basis of summarizing the relevant theoretical documents, this paper analyzes the problems faced in the development of Suixian Dejiangcun Bank, and on the basis of summing up the successful experiences of the domestic and foreign village banks, puts forward the countermeasures and suggestions to promote the sustainable development of the Bank.This is the innovation of this paper.The shortcomings of this paper are as follows: first, the author has some shortcomings in data collection, which can not reflect the development status of village bank; secondly, Suixian Dechang Village Bank has a short time to set up, and the data is not comparable;Finally, there are many problems and aspects involved in the development of village and town banks, so the theoretical depth of this paper may not reach a satisfactory degree.
【学位授予单位】：河南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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