陕西省村镇银行发展现状、问题与支持政策研究

发布时间：2018-04-17 23:33

本文选题：村镇银行 + 发展现状　；参考：《西北农林科技大学》2012年硕士论文

【摘要】：随着国家对农业、农村、农民问题关注程度的日益提高，农村金融相关问题也成为学界与管理层关注的热点。2004年以来，为促进农村地区经济的发展，每年中央“一号文件”都在反复且不断深入的论述农村金融问题，意在通过鼓励农村金融的持续改革与良好发展来为解决“三农”问题提供强有力的金融杠杆。然而，，农村金融的发展力量仍然十分单薄，存在一系列问题：农民收入水平低、增长缓慢，农村金融市场供给不足、服务缺失、垄断性经营、体制不完善。农村资金外流与农民贷款难问题严重的影响了我国农业结构性调整、产业化升级与可持续发展，阻碍了农民的增产增收。作为新型农村金融机构的重要组成部分，村镇银行是解决农村地区金融问题的创新之举。在政策引导下，近年来陕西省村镇银行如雨后春笋般，呈现出蓬勃发展的势头。但由于规模过小、高级人才缺乏、资金来源有限、服务体系不健全、设行宗旨落实不到位、配套政策不健全、风险分散控制机制缺乏与法律体系不健全等问题的存在，其发展还面临着很多问题。本文通过从我国实际情况出发，以陕西省样本村镇银行为主要研究对象，具体分析陕西省村镇银行的发展现状，包括现有村镇银行的注册基本信息、机构设置、人员构成、业务开展等情况，并运用DEA模型对各家村镇银行的运行绩效进行实证分析，得出陕西省村镇银行的经营效率以及对农户与农村中小企业信贷资金的满足程度，对陕西省村镇银行的运行绩效进行总体评价。在此基础上，发现目前陕西省村镇银行发展过程中存在的问题，借鉴国际村镇银行的成功模式，提出促进陕西省村镇银行发展的支持政策与建议。根据研究结论，为陕西省村镇银行的进一步发展提出新思路，为建立健全我国农村金融体系做出贡献。第一章是导论，主要介绍了论文的选题背景、论文研究的目的与意义、论文研究过程中的思路与用到的方法、论文可能创新之处，并梳理了近年来国际国内对农村小型金融机构研究的文献资料。第二章叙述了陕西省村镇银行的发展状况，主要介绍了陕西省九家（其中七家为一级独立法人机构）村镇银行的基本情况、业务开展情况与运行绩效的实证分析。具体有样本村镇银行的注册基本信息、人员配置与职工情况、盈利能力与业务开展情况等。运用DEA模型分析了样本村镇银行经营效率、农户资金满足度、中小企业资金满足度，得出了陕西省村镇银行运行绩效的总体评价。第三章主要研究了陕西省村镇银行运营过程中显露出的诸多问题。主要有村镇银行规模过小、高级人才缺乏、资金来源有限、服务体系不健全、设行宗旨落实不到位、配套政策不健全、风险分散控制机制缺乏与法律体系不健全等。第四章借鉴了国际小型金融机构的成功发展模式，主要以比较著名的孟加拉乡村银行、美国社区银行与玻利维亚阳光银行模式为代表，从中获得经验启示。第五章提出了促进陕西省村镇银行进一步发展的支持政策与建议。主要有通过增资扩股扩大银行规模、提高员工素质、树立村镇银行良好社会形象、开展业务创新、立足“三农”做大做强、加大政策扶持力度、建立风险控制制度、完善法律体系等。
[Abstract]:With the country of agriculture, rural areas, farmers concern degree increasing, since the rural financial problems related to academia and management has become the focus of attention of.2004, to promote economic development in rural areas, each year the central document in this rural financial problems repeatedly and deepening, through continuous reform encourage rural finance and good development to provide strong financial leverage to solve the "three rural". However, the development of rural financial strength is still very weak, there are a series of problems: the low income level of farmers, the slow growth of rural financial market supply shortage, lack of service, monopoly management system is not perfect. The outflow of funds in rural areas the difficult problem of loans to farmers and a serious impact on China agricultural structural adjustment, upgrading of industry and sustainable development, has hindered the peasants production and income. As a new type of Agriculture The village bank is an important part of the village financial institutions, which is an innovation to solve the financial problems in the rural areas.
Under the policy guidance, Shaanxi province in recent years, rural banks such as bamboo shoots after a spring rain, showing a vigorous development momentum. But due to the small scale, lack of senior personnel, limited sources of funds, the service system is not perfect, for a purpose of the implementation is not in place, supporting policies are not perfect, risk control mechanism and the lack of the legal system is not perfect etc. the existence of the problem, its development still faces many problems.
By proceeding from the actual situation in our country, in Shaanxi Province, samples of village banks as the main object of study, the current situation of the development of rural banks in Shaanxi province the specific analysis, including the basic registration information, the existing rural bank institutions, personnel, business and so on, and carries on empirical Analysis on the performance of village banks by DEA the model of Shaanxi province rural banks operating efficiency and satisfaction of credit funds to farmers and rural small and medium-sized enterprises, for the overall evaluation of the performance of rural banks in Shaanxi province. On this basis, that the existing rural banks in Shaanxi Province in the process of development, learn from the successful model of international rural banks, put forward in support of policy and suggestions to promote the development of rural banks in Shaanxi province. According to the research conclusion, put forward new ideas for further development of rural banks in Shaanxi Province, for the establishment of a sound Our country's rural financial system makes a contribution.
The first chapter is the introduction. It mainly introduces the background of the thesis, the purpose and significance of the research, the train of thought and the method used in the research process, the possible innovations, and combing the literatures on rural small financial institutions at home and abroad in recent years.
The second chapter describes the development status of village banks in Shaanxi Province, mainly introduced the Shaanxi Province nine (of which seven is an independent legal entity) the basic situation of the rural bank, an empirical analysis of business activities and operating performance. The basic registration information of samples of village banks, personnel and staff, profitability with the business development situation. Use DEA model to analyze the operating efficiency of the sample of rural banks, funds farmers satisfaction, SMEs financing satisfaction, obtains the overall performance evaluation of rural banks in Shaanxi province.
The third chapter mainly studies the problems of rural banks in Shaanxi Province revealed in the process of operation. The main village banks to small scale, lack of senior personnel, limited sources of funds, the service system is not perfect, for a purpose of the implementation is not in place, supporting policies are not perfect, risk control mechanism and the lack of legal system is not perfect.
The fourth chapter draws lessons from the successful development mode of international small financial institutions, mainly based on the famous Bangladesh country bank, the American community bank and the Bolivia sunshine bank mode.
The fifth chapter put forward to promote the support policies and suggestions on further development of rural banks in Shaanxi province. The main capital increase through the expansion of bank scale, improve staff quality, establish a good social image of village banks, to carry out business innovation, based on the "three rural" bigger and stronger, increase policy support, the establishment of risk control system, improve the legal system.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【参考文献】