镇海区农村信用合作联社发展战略研究

发布时间：2018-05-25 01:27

本文选题：战略管理 + 商业银行　；参考：《南京农业大学》2012年硕士论文

【摘要】：我国农村信用社最早成立于建国初期,在我国农村金融体系的构成中,农村信用合作金融占据至关重要的地位,对我国农村经济的发展起到了重要的金融支持作用。目前,面对我国目前农村金融供需矛盾突出、服务体系不完善、体制机制不健全、机构功能不完备、基础建设不配套和政策扶持不到位等现状,农村信用社开始寻求更符合发展要求,更能为三农提供便捷、有效的改变途径。2003年以来,随着我国金融体制改革的深入,围绕着农村信用社多种产权选择的新一轮改革拉开了帷幕。镇海区农村信用合作社联合社及辖内信用社虽然在2007年12月,根据统一法人体制改革要求,合并组建成立了目前拥有独立法人资格的宁波市镇海区农村信用合作联社,实现了一级法人的产权模式,理顺了农村信用社的管理体制,形成了新的组织架构。但随着经济发展需求的不断变化,农村信用社经营管理中存在着一些问题,如产权不明晰、管理体制混乱,历史包袱比较沉重,资产质量低下,支农功能异化等日益凸显。这些问题都成为其发展道路上的阻碍,急需追本朔源,解决完善。本文以农村信用社的改革发展战略理论和我国农村信用社的改革发展现状为出发点,在综合性理论研究和全面了解国内外农村信用社改革发展研究现状的基础上,以宁波市镇海区农村信用合作联社为研究对象,通过对其所在区域的环境特点,行业的发展现状和自身的管理经营情况的详细分析,指出其现阶段在管理模式和经营方式上存在的不足,并结合实际情况,提出镇海区农村信用合作联社的改革发展战略方向——改制为股份制商业银行。在充分论证了此发展战略方向的可行性扣必要性的基础上,进一步提出股份制改造的具体实施步骤及措施和建议。首先,从公司治理、市场定位、风险管理、企业文化各层面明确发展战略；其次,分步骤、多层面实施战略,具体包括：优化股权结构、建立稳定的资本补充机制、变革组织架构等多举措完善公司治理结构、通过风险管控、流程银行建设,会计基础和审计监督功能的强化提升内部管理水平；落实健全绩效分配机制、加强干部队伍建设等举措以强化人力资源管理,继续推进企业文化建设和改善金融环境,通过对信贷杠杆的合理运用,使服务三农、支持中小企业的服务宗旨在改制后以一贯之。
[Abstract]:Rural credit cooperatives were first established in the early years of the people's Republic of China. In the composition of rural financial system, rural credit cooperative finance occupies a vital position, and plays an important role in supporting the development of rural economy in our country. At present, in the face of the outstanding contradiction between supply and demand of rural finance in our country, the imperfect service system, the imperfect system and mechanism, the incomplete functions of the institutions, the lack of supporting infrastructure and the lack of policy support, etc. Rural credit cooperatives have begun to seek more suitable development requirements and can provide convenient and effective ways to change agriculture, rural areas and farmers. Since 2003, with the deepening of China's financial system reform, Around a variety of rural credit cooperatives choice of property rights a new round of reform began. Although in December 2007, the United Cooperative of Rural Credit Cooperatives in Zhenhai District and the credit cooperatives within its jurisdiction, in accordance with the requirements of the reform of the unified legal person system, it merged and established the Rural Credit Cooperative Cooperative of Zhenhai District of Ningbo City, which currently has the status of independent legal person. It realizes the property right mode of the first class legal person, straightens out the management system of the rural credit cooperative, and forms a new organization structure. However, with the continuous change of economic development demand, there are some problems in the management of rural credit cooperatives, such as unclear property rights, chaotic management system, heavy historical burden, low quality of assets, alienation of supporting agriculture function and so on. These problems have become obstacles on the road of its development, urgent need to trace the source, to solve the problem. Based on the theory of reform and development strategy of rural credit cooperatives and the status quo of rural credit cooperatives reform and development in China, this paper makes a comprehensive theoretical study of the reform and development of rural credit cooperatives at home and abroad on the basis of a comprehensive understanding of the current situation of research on the reform and development of rural credit cooperatives. Taking the Zhenhai Rural Credit Cooperation Association of Ningbo City as the research object, through the detailed analysis of the environmental characteristics of its area, the development status of the industry and its own management and management, This paper points out the shortcomings in management mode and management mode at present, and puts forward the reform and development strategy direction of Zhenhai Rural Credit Cooperative Corporation, which is transformed into a joint-stock commercial bank, in combination with the actual situation. On the basis of fully demonstrating the feasibility and necessity of this development strategy direction, the paper further puts forward the concrete implementation steps, measures and suggestions of the joint stock system transformation. First of all, from the corporate governance, market positioning, risk management, corporate culture at all levels of clear development strategy; second, step by step, multi-level implementation strategy, including: optimize the ownership structure, establish a stable capital replenishment mechanism, Reform the organizational structure and other measures to improve the corporate governance structure, through risk control, process banking construction, accounting basis and audit supervision function to enhance the level of internal management; implementation of a sound performance distribution mechanism, To strengthen the construction of cadres and other measures to strengthen the management of human resources, to continue to promote the construction of corporate culture and improve the financial environment, through the rational use of credit leverage, so as to serve agriculture, rural areas, and farmers. Support for small and medium-sized enterprises in the service purpose of restructuring with consistent.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F272;F832.35

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