哈尔滨银行农村金融服务创新研究

发布时间：2018-04-28 07:56

本文选题：农村金融服务 + 创新　；参考：《吉林大学》2012年硕士论文

【摘要】：金融是现代经济的核心，农村金融是现代农村经济的核心。在新农村建设以及“和谐社会”的构建过程中，农村的所有经济活动都必须有资金的支持才能顺利开展，党的十七届三中全会公布了《关于推进农村改革发展若干重大问题的决议》，对农村金融体系建设做出了全局规划。着重强调了中国农业银行、中国农业发展银行、中国邮政储蓄银行的农村金融服务的主体地位，同时，开放投资公司、村镇银行、小额信贷公司进入农村金融市场，农村金融市场正处于“百家争鸣、百花齐放”的状态，农村金融竞争日益激烈，我国金融业改革势在必行，若要在激烈的竞争中立于不败之地，唯一的出路就是建立自己的竞争优势，金融服务创新正是获得竞争优势的根本支撑和决定因素。哈尔滨银行是新兴的全国性的股份制商业银行，总部设在哈尔滨市，近年来发展势头迅猛，对哈尔滨银行农村金融服务进行创新研究对于提高哈尔滨银行的竞争力具有重要意义。本文采用文献研究、系统分析和实地调研法的研究方法，首先对金融服务、金融创新、农村金融创新服务等基本概念进行界定并对金融风险理论进行了综述，为后续研究奠定基础；其次，分析了哈尔滨银行农村金融服务现状及存在的问题，目前哈尔滨银行农村金融产品较为单一，贷款品种主要集中在农垦、县域的农户和个人，主要包括种植、购置农机具、个人消费等方面的信贷产品，金融服务方式也较为单一，额度过小，缺乏特色，人员素质相对不高、农村金融服务管理较为混乱，风险管理以信用风险管理为主，对操作风险、市场风险和制度风险等重视程度不够，技术和管理水平都有待提高。结合哈尔滨银行的实际情况，，分析了哈尔滨银行农村金融服务创新的影响因素，从环境因素、需求因素、技术因素和行业竞争因素这四个方面展开，当前哈尔滨银行农村金融服务创新的外部政策环境良好，但行业竞争对哈尔滨银行创新农村金融服务的影响不可忽视，竞争的压力从某种程度上说己转化为农村金融创新的推动力，创新成为哈尔滨银行应对竞争压力的必然选择；在上述分析的基础上，进行创新设计，提出了哈尔滨银行农村金融服务创新的目标、原则和内容，并从农村金融服务理念、产品、经营模式、科技、领域和制度等六个方面对创新内容进行了具体阐述。最后，对哈尔滨银行进行农村金融服务创新时可能出现的风险进行了总结概括，并据此提出了相应的风险防范措施，包括加强风险管理文化建设、加强农村金融服务人才培养、加强信用风险的识别和控制、完善相关制度规定以及积极防范市场风险。以期对哈尔滨银行农村金融服务整体竞争力的提升提供参考。
[Abstract]:Finance is the core of modern economy, rural finance is the core of modern rural economy. In the process of building a new rural area and building a "harmonious society", all economic activities in rural areas must be supported by funds in order to carry out smoothly. The third Plenary session of the 17th CPC Central Committee promulgated the "Resolution on several important issues of promoting Rural Reform and Development" and made a comprehensive plan for the construction of the rural financial system. The main position of the rural financial services of the Agricultural Bank of China, the Agricultural Development Bank of China and the Postal savings Bank of China was emphasized. At the same time, open investment companies, village and town banks, and microfinance companies entered the rural financial market. The rural financial market is in the state of "a hundred schools of thought contend and a hundred flowers blossom". The rural financial competition is becoming increasingly fierce. It is imperative to reform the financial industry in our country. If we want to remain invincible in the fierce competition, The only way out is to establish one's own competitive advantage, and the innovation of financial service is the fundamental support and decisive factor to obtain the competitive advantage. Harbin Bank is a new national joint-stock commercial bank with its headquarters in Harbin. In recent years, it has developed rapidly. It is of great significance to study the innovation of Harbin Bank's rural financial service to improve the competitiveness of Harbin Bank. In this paper, the basic concepts of financial service, financial innovation, rural financial innovation and so on are defined, and the theory of financial risk is summarized by the methods of literature research, systematic analysis and field investigation. Secondly, the paper analyzes the present situation and existing problems of Harbin Bank's rural financial services. At present, Harbin Bank's rural financial products are relatively single, and the types of loans are mainly concentrated in farming reclamation, county farmers and individuals. Mainly including planting, purchasing agricultural machinery, personal consumption and other aspects of credit products, the financial service mode is also relatively single, the quota is too small, the lack of characteristics, the quality of personnel is relatively low, the rural financial service management is relatively chaotic. Credit risk management is the main part of risk management. The operational risk, market risk and system risk are not paid enough attention to, and the level of technology and management need to be improved. Combined with the actual situation of Harbin Bank, this paper analyzes the influencing factors of Harbin Bank's rural financial service innovation, starting from four aspects: environmental factor, demand factor, technical factor and industry competition factor. At present, the external policy environment of Harbin Bank's rural financial service innovation is good, but the influence of industry competition on Harbin bank's innovation of rural financial service can not be ignored. To some extent, the pressure of competition has been transformed into the driving force of rural financial innovation, and innovation has become the inevitable choice of Harbin Bank to deal with the pressure of competition. This paper puts forward the aim, principle and content of Harbin Bank's rural financial service innovation, and expounds the innovation content from six aspects: rural financial service idea, product, management model, science and technology, field and system. Finally, the paper summarizes the risks that may occur when Harbin Bank carries on the rural financial service innovation, and puts forward the corresponding risk prevention measures, including strengthening the construction of risk management culture, strengthening the training of rural financial service talents. Strengthen the credit risk identification and control, improve the relevant regulations and actively guard against market risks. With a view to Harbin Bank rural financial services to improve the overall competitiveness of the reference.
【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】：F832.3

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