基于转变我国农村经济增长方式视角的村镇银行贷款创新研究
发布时间：2018-08-04 14:46
【摘要】：村镇银行作为我国试点运行的新型农村金融机构之一，其设立的初衷是为了促进农村地区金融机构间的竞争，，改善农村地区的金融服务，为农村地区的经济发展提供金融动力支持。村镇银行贷款业务，是村镇银行支持所在地区农村经济发展的最主要的手段之一。村镇银行贷款，能否很好的满足当地农村经济主体的贷款需求，决定了村镇银行对当地经济发展的贡献大小，也左右着村镇银行能否长期的生存与发下去。 本文以金融深化理论与经济增长方式转变为理论基础，从理论上分析总结了村镇银行存在的必要性和农村经济增长方式转变的迫切性。在上述理论基础之上，本文首先以中牟郑银村镇银行为例，对村镇银行的贷款现状进行了分析，总结出我国村镇银行贷款存在贷款来源少、贷款产品单一、缺乏营销网络以及风险管理水平差等问题。其次本文以转变农村经济增长方式为视角，分析总结了转变农村经济增长方式过程中，各个主体即规模型农户、基地型农户和创业型农户的贷款需求特征和风险特征。再次，本文通过对农户和村镇银行贷款业务的多阶段博弈分析，得出村镇银行必须通过贷款创新才能赢得与其他农村金融机构竞争的机会，才能更好的满足农户的贷款需求。最后,本文对村镇银行村镇银行贷款来源少的问题，提出争取当地政府财政资金支持，积极开展免费银行卡业务，设立驻村联络官等对策；针对贷款产品创新，提出目前阶段村镇银行应主要模仿农村信用社的相关贷款产品；对于销售问题，提出加强营销人才队伍建设，认真做好当地农村贷款需求的调研；针对风险管理提出“农户+基地”担保模式和农户联保模式等相应的对策。
[Abstract]:As one of the new rural financial institutions in China, the village bank was established to promote competition among rural financial institutions and improve financial services in rural areas. To provide financial power support for the economic development of rural areas. The village bank loan business is one of the most important means for the village bank to support the rural economic development in the area. Whether the village bank loan can satisfy the loan demand of the main body of the local rural economy can determine the contribution of the village bank to the local economic development, and it also determines whether the village bank can survive and develop for a long time. Based on the theory of financial deepening and the transformation of economic growth mode, this paper theoretically analyzes and summarizes the necessity of the existence of village and town banks and the urgency of changing the mode of rural economic growth. On the basis of the above theory, this paper firstly takes Zhongmou Zhengyin Village Bank as an example, analyzes the present situation of the village bank loan, and concludes that there are few loan sources and a single loan product for the village bank loan in our country. Lack of marketing network and poor level of risk management and other issues. Secondly, from the perspective of changing the mode of rural economic growth, this paper analyzes and summarizes the characteristics of loan demand and risk of each main body, that is, scale farmers, base farmers and entrepreneurial farmers, in the process of changing the mode of rural economic growth. Thirdly, through the multi-stage game analysis of the loan business between rural households and village banks, it is concluded that the village banks must make loan innovation to win the opportunity to compete with other rural financial institutions, so as to better meet the loan needs of farmers. Finally, the paper puts forward some countermeasures to solve the problem of small sources of loans from village banks, such as seeking financial support from local governments, actively developing free bank card business, setting up liaison officers in villages, and so on, aiming at the innovation of loan products. The paper puts forward that village and town banks should mainly imitate the relevant loan products of rural credit cooperatives at the present stage, strengthen the construction of marketing talents and make a good investigation and research on the local rural loan demand for the sales problems. Aiming at risk management, this paper puts forward the corresponding countermeasures such as the guarantee mode of "peasant household base" and the mode of peasant household protection.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2164206
[Abstract]:As one of the new rural financial institutions in China, the village bank was established to promote competition among rural financial institutions and improve financial services in rural areas. To provide financial power support for the economic development of rural areas. The village bank loan business is one of the most important means for the village bank to support the rural economic development in the area. Whether the village bank loan can satisfy the loan demand of the main body of the local rural economy can determine the contribution of the village bank to the local economic development, and it also determines whether the village bank can survive and develop for a long time. Based on the theory of financial deepening and the transformation of economic growth mode, this paper theoretically analyzes and summarizes the necessity of the existence of village and town banks and the urgency of changing the mode of rural economic growth. On the basis of the above theory, this paper firstly takes Zhongmou Zhengyin Village Bank as an example, analyzes the present situation of the village bank loan, and concludes that there are few loan sources and a single loan product for the village bank loan in our country. Lack of marketing network and poor level of risk management and other issues. Secondly, from the perspective of changing the mode of rural economic growth, this paper analyzes and summarizes the characteristics of loan demand and risk of each main body, that is, scale farmers, base farmers and entrepreneurial farmers, in the process of changing the mode of rural economic growth. Thirdly, through the multi-stage game analysis of the loan business between rural households and village banks, it is concluded that the village banks must make loan innovation to win the opportunity to compete with other rural financial institutions, so as to better meet the loan needs of farmers. Finally, the paper puts forward some countermeasures to solve the problem of small sources of loans from village banks, such as seeking financial support from local governments, actively developing free bank card business, setting up liaison officers in villages, and so on, aiming at the innovation of loan products. The paper puts forward that village and town banks should mainly imitate the relevant loan products of rural credit cooperatives at the present stage, strengthen the construction of marketing talents and make a good investigation and research on the local rural loan demand for the sales problems. Aiming at risk management, this paper puts forward the corresponding countermeasures such as the guarantee mode of "peasant household base" and the mode of peasant household protection.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【共引文献】
相关期刊论文 前3条
1 杨虎锋;何广文;;小额贷款公司经营有效率吗——基于42家小额贷款公司数据的分析[J];财经科学;2011年12期
2 于转利;赵国栋;;西部小额信贷机构效率分析——16个样本比较[J];开发研究;2011年03期
3 袁吉伟;;亚洲小额信贷机构经营效率实证研究——基于DEA模型[J];金融与经济;2012年10期
相关硕士学位论文 前2条
1 沈蕾;我国小额贷款公司运作模式及绩效评价研究[D];浙江工业大学;2012年
2 吴晖;基于普惠金融体系的中国商业性小额贷款公司绩效研究[D];浙江大学;2012年
本文编号：2164206
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2164206.html
