商业银行在新兴农村金融市场的发展研究

发布时间：2018-04-19 06:23

本文选题：商业银行 + 农村金融市场　；参考：《浙江大学》2012年硕士论文

【摘要】：近年来金融业方面的研究对农村金融领域关注度很高。农村经济发展、农业政策宽松、农村金融市场需求增长使得商业银行对农村金融市场的关注度不断提高。商业银行不断谋求在农村金融市场中发展业务。本文从商业银行的角度出发,探寻商业银行在新兴农村中的发展路径。作者首先研究金融发展与经济增长理论、农村金融理论、核心竞争力理论。从众多理论中寻找支持我国商业银行在农村地区发展的理论依据。第二部分对当前的国家政治经济政策、农村金融发展情况和商业银行已有的发展模式进行了分析,归纳和总结出目前商业银行在农村金融市场发展的主要模式,并通过案例分析对该模式进行论证。第三部门分析了当前发展中的主要问题,例如需要解决网点建设、组织结构调整、产品创新、风险控制和人才培养等多方面的问题。最后,文章针对这些问题进行了探讨和分析,提出了重建网点、建立农村事业部、创新银行卡业务、小额信贷业务、农业保险业务等、加强风险控制和培育合适的企业文化等解决办法。文章从商业银行出发,以农村金融市场为研究目标,探讨发展过程中存在的各种问题和对策,对未来的发展提供了一系列意见和建议。
[Abstract]:In recent years, the research on the financial industry has paid high attention to the rural financial field.With the development of rural economy, the loose agricultural policy and the increasing demand of rural financial market, commercial banks pay more and more attention to rural financial market.Commercial banks continue to seek to develop business in rural financial markets.From the point of view of commercial banks, this paper explores the development path of commercial banks in new rural areas.The author first studies the theory of financial development and economic growth, the theory of rural finance, and the theory of core competitiveness.To find the theoretical basis to support the development of Chinese commercial banks in rural areas from many theories.The second part analyzes the current national political and economic policies, the development of rural finance and the existing development models of commercial banks, and summarizes the main models of the current development of commercial banks in rural financial markets.And through case analysis to demonstrate the model.The third part analyzes the main problems in the current development, such as the need to solve the network construction, organizational structure adjustment, product innovation, risk control and personnel training and so on.Finally, the paper discusses and analyzes these problems, proposes to rebuild the network, establish the rural business department, innovate the bank card business, micro-credit business, agricultural insurance business, etc.Strengthen risk control and foster appropriate corporate culture and other solutions.Starting from the commercial banks and taking the rural financial market as the research goal, this paper discusses various problems and countermeasures in the course of development, and provides a series of opinions and suggestions for the future development.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

【引证文献】