洪都农村商业银行可持续发展战略研究

发布时间：2018-04-20 20:57

本文选题：商业银行 + 可持续发展　；参考：《南昌大学》2012年硕士论文

【摘要】：随着我国经济的发展,“三农”问题日益突出,已成为制约我国经济又好又快发展的重要因素,从战略意义上讲,解决“三农”问题已显得十分紧迫。作为我国农村金融格局中的新生事物,农村商业银行是我国农村信用合作社改革的新成果,到今天已经初具规模,正式成为我国金融体系中的一员。同时,由于全球金融危机的影响不断深化以及我国经济结构的深入调整,我国农村商业银行面临的形势将更加复杂,不确定性因素也越来越多,因此,在经济形势、市场环境不断变化的条件下如何提高农村商业银行经营效率从而实现可持续发展,对于这一问题的研究具有很重要的理论价值和实践意义。本文在结构上共分为六章。第一章为导论；第二章为农村商业银行可持续发展理论概述,以可持续发展理论为切入点,重新界定了农村商业银行可持续发展的内涵与原则,最后多角度分析了影响农村商业银行可持续发展的因素；第三章为农村商业银行可持续发展评价指标体系的构建,主要通过对财务指标的选取,构建了评价商业银行可持续发展水平的指标体系,并利用主成分分析法得到可持续发展水平值的综合表达式；第四章为农村商业银行可持续发展战略分析,以农村商业银行的现状分析入手,分析了走可持续发展之路的必要性与可行性,最后从短期、中期、长期与综合四大战略分析了实现农村商业银行可持续发展的路径；第五章是洪都农商银行可持续发展的实践与探索,介绍了洪都农商银行的情况与发展历程,结合当前存在的主要问题提出了相应的治理对策；第六章为结论与展望。在农业现代化过程中,洪都农村商业银行不断深化自身改革,以满足农村市场多样化的需求。鉴于洪都农村商业银行成立不久,自身在很多方面还存在着不少问题,主要有：业务发展难度加大、市场竞争更加激烈、风险防范形势严峻、创新能力欠缺、队伍建设不完善以及风控能力不强。针对这些问题,本文也提出了扩展业务、提升服务质量、树立品牌形象、完善风控机制和提高经管能力等对策,从而把洪都农村商业银行打造为现代银行、流程银行、优质银行、特色银行与和谐银行的五大特色银行。
[Abstract]:With the development of China's economy, the problem of "agriculture, countryside and farmers" has become increasingly prominent, which has become an important factor restricting the sound and rapid development of China's economy. From a strategic point of view, it is very urgent to solve the problem of "agriculture, rural areas and farmers". As a new thing in the rural financial structure of our country, the rural commercial bank is the new achievement of the reform of the rural credit cooperative in our country. Today, it has begun to take shape and has formally become a member of the financial system of our country. At the same time, due to the influence of the global financial crisis and the deep adjustment of the economic structure of our country, the situation facing the rural commercial banks in our country will be more complex and more and more uncertain factors. Therefore, in the economic situation, It is of great theoretical value and practical significance to study how to improve the management efficiency of rural commercial banks in order to realize sustainable development under the changing market environment. The structure of this paper is divided into six chapters. The first chapter is the introduction, the second chapter is the summary of the theory of sustainable development of rural commercial banks, with the theory of sustainable development as the starting point, it redefines the connotation and principles of the sustainable development of rural commercial banks. Finally, it analyzes the factors that affect the sustainable development of rural commercial banks. The third chapter is the construction of evaluation index system of rural commercial banks' sustainable development, mainly through the selection of financial indicators. The index system of evaluating the sustainable development level of commercial banks is constructed, and the comprehensive expression of sustainable development level is obtained by principal component analysis. Chapter four is the analysis of sustainable development strategy of rural commercial banks. Based on the analysis of the current situation of rural commercial banks, this paper analyzes the necessity and feasibility of taking the road of sustainable development, and finally analyzes the path to realize the sustainable development of rural commercial banks from four strategies: short, medium, long and comprehensive. The fifth chapter is the practice and exploration of the sustainable development of Hongdu Rural Commercial Bank, introduces the situation and development course of Hongdu Agricultural Commercial Bank, and puts forward the corresponding management countermeasures according to the main problems existing at present. Chapter VI is the conclusion and prospect. In the course of agricultural modernization, Hongdu Rural Commercial Bank continuously deepens its own reform to meet the diversified demand of rural market. In view of the fact that the Hongdu Rural Commercial Bank has not long been established, it still has many problems in many aspects, such as: the difficulty of business development is increased, the market competition is more intense, the situation of risk prevention is severe, and the ability of innovation is lacking. The team construction is not perfect and the risk control ability is not strong. Aiming at these problems, this paper also puts forward some countermeasures, such as expanding business, improving service quality, establishing brand image, perfecting risk control mechanism and improving management ability, so as to make Hongdu Rural Commercial Bank into a modern bank, a process bank, etc. High-quality bank, characteristic bank and harmonious bank five characteristic banks.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

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