德州市农村信用社发展决策研究

发布时间：2018-04-30 21:20

本文选题：德州市农村信用社 + 发展决策　；参考：《华中科技大学》2012年硕士论文

【摘要】：在德州市新农村建设的过程中，德州市农村信用社发挥着金融支农主力军的重要作用。随着山东省农村金融体制改革的逐步深入，，德州市农村信用社的业务规模和盈利水平取得了一定的增长，呈现出改革发展的新气象。但是结合德州实际金融环境，在改革发展中又表现出相对的劣势，例如：各县市间发展不平衡、发展动力不足、工作人员素质低、经营管理粗放、风险隐患多、创新发展力不足等。本文通过作者在工作当中的实际工作经历，在对国内外信用合作社改革发展的基础上，透过对德州市农村信用社改革发展的背景与现状、改革发展的思路与现阶段取得成果进行有力的分析和解剖，揭示出德州市农村信用社在改革发展中存在的问题及不利因素，分析总结出德州市农村信用社只有通过明确信用社的性质及产权治理结构,规划服务方向、经营宗旨,建立新的体制框架,培养高素质的从业人员等因素,对信用社体制进行合理改革,才能使其不断提高自身实力,并在激烈市场竞争中求得发展。因此在农村信用社改革和发展的关键阶段,如何正确面对和处理当前农村信用社存在的问题,是我们所必须正视的，同时对德州市农村信用社改革发展指明方向具有一定的现实意义。
[Abstract]:In the process of new rural construction in Dezhou, rural credit cooperatives in Dezhou play an important role in supporting agriculture. With the deepening of the reform of rural financial system in Shandong Province, the business scale and profit level of rural credit cooperatives in Dezhou City have increased to a certain extent, showing a new atmosphere of reform and development. However, in the light of the actual financial environment in Texas, there are relative disadvantages in the reform and development. For example, the development between counties and cities is not balanced, the development momentum is insufficient, the staff quality is low, the management is extensive, and there are many hidden risks. Lack of innovation and development. Based on the author's practical work experience and the reform and development of the credit cooperatives at home and abroad, the background and present situation of the reform and development of the rural credit cooperatives in Dezhou City are discussed in this paper. The train of thought of reform and development and the achievements made at the present stage are analyzed and dissected to reveal the problems and unfavorable factors existing in the reform and development of rural credit cooperatives in Dezhou City. It is concluded that the rural credit cooperatives in Dezhou can only make clear the nature of the credit cooperatives and the governance structure of property rights, plan the service direction, operate the purpose, establish a new institutional framework, train high-quality practitioners, and so on. Only by reasonable reform of the credit cooperative system can it improve its own strength and develop in the fierce market competition. Therefore, in the key stage of the reform and development of rural credit cooperatives, how to correctly face and deal with the problems existing in the current rural credit cooperatives is something we must face squarely. At the same time, the reform and development of rural credit cooperatives in Dezhou has a certain practical significance.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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