苏南农村商业银行发展战略研究

发布时间：2018-05-26 14:06

本文选题：农村商业银行 + 农村金融　；参考：《苏州大学》2012年硕士论文

【摘要】：农村商业银行是2001年苏南地区对农村信用社进行股份制改造出现的新型农村金融机构,历经十年的发展,已成为苏南农村金融市场上的生力军,作为农村信用社股份制改造的一种模式,首批成立的三家农村商业银行自改制以来坚持服务“三农”和中小企业,获得了高速发展,资产规模迅速壮大,利润稳步增长,资本充足率不断提升,不良贷款率快速下降。苏南地区农村商业银行的发展历程不仅反映了农村金融制度的变迁过程,而且其本身也构成了农村金融制度创新的一部分。苏南地区的农村商业银行成长于经济相对发达的县域市场,有着其独特的相对竞争优势,但是在发展中还是遇到了很多的问题。本文运用SWOT分析方法,对苏南地区几家典型的农村商业银行的公开资料进行分析,研究了苏南农商行的优势、劣势、机遇和威胁,进而提出进一步发展的战略。作为农村金融改革模式的一种选择,苏南地区农村商业银行的成功将为今后在类似环境条件下的农村金融机构改革和发展提供了一个可供借鉴样本。它的经验和教训也给监管部门的政策制定提供参考依据。
[Abstract]:Rural commercial bank is a new type of rural financial institution in the rural credit cooperatives in southern Jiangsu province in 2001. After ten years of development, it has become a new force in the rural financial market of southern Jiangsu. As a mode of joint-stock system reform of rural credit cooperatives, the first three rural commercial banks have persisted in serving the "three rural areas, rural areas" and small and medium-sized enterprises since the restructuring. They have achieved rapid development, the scale of assets has grown rapidly, and the profits have steadily increased. The capital adequacy ratio continues to rise, and the non-performing loan ratio drops rapidly. The development of rural commercial banks in southern Jiangsu not only reflects the vicissitude of rural financial system, but also constitutes a part of the innovation of rural financial system. The rural commercial banks in southern Jiangsu province grow up in the relatively developed county market and have their unique competitive advantage, but they still encounter a lot of problems in the process of development. In this paper, the open data of several typical rural commercial banks in southern Jiangsu are analyzed by using the method of SWOT analysis, and the advantages, disadvantages, opportunities and threats of agricultural commercial banks in southern Jiangsu are studied, and the strategies for further development are put forward. As a choice of rural financial reform mode, the success of rural commercial banks in southern Jiangsu will provide a model for the reform and development of rural financial institutions under similar environmental conditions in the future. Its experience and lessons also provide a reference basis for regulatory policy formulation.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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