岳阳市农村信用社中间业务发展研究

发布时间：2018-08-28 11:40

【摘要】：随着我国深化金融体制改革持续推进,金融行业开放、创新程度不断深化,银行业所面临的竞争日益加剧；计算机网络技术的发展,互联网+金融的兴起,传统金融脱媒现象日趋严重；利率市场化的不断推进,全面放开指日可待,银行利差收入还将不断压缩；2015年5月1日起正式实行的存款保险制度,加大了银行业的筹资成本,打通了银行业退出机制窗口。银行业赖以生存的传统存贷业务受到的冲击越来越大。将为过去抢占存款市场份额,做大信贷蛋糕,依赖扩大利差收入的银行业经营模式划上句号。受此影响,近年来各金融机构不断寻找新的利润增长点,中间业务无疑成为各银行争夺的重点。相比国内国有和股份制商业银行中间业务发展,农村信用社要明显落后。而在农村信用社范围内,同属农村信用社体制,部分产权改革成功的农村商业银行中间业务发展又要明显优于尚未产权改革的农村信用社。即使同一省份,同一省联社管理下农村信用社中间业务发展也是不均衡的,地区差异大。落后地区的农村信用社怎样才能与缩小发展差距,怎样才能保证自己在激烈的市场竞争中立稳脚根,关注其中间业务的发展就显得尤为重要。本文以岳阳市农村信用社为例,具体探讨中间业务发展落后地区的农村信用社存在的不足,并找出适合其中间业务发展的措施和路径。首先,本文介绍了中间业务的相关概念和国内外研究动态；其次,本文重点比较了岳阳市农村信用社与省内发达地区的长沙市农村信用社、省外发展较好的合肥科技农村商业银行的中间业务发展历程、收入总量、收入结构、发展速度等。对比结果表明,岳阳市农村信用社在中间业务发展中存在的主要问题表现在：收入总额低、战略认识不足、人才束缚、科技投入不足等方面。第三,根据数据对比中发现的问题和实地调研中搜集的情况,分析岳阳市农村信用社中间业务发展落后的原因：(1)企业经营战略方面的原因；(2)科技与人才方面的原因；(3)管理体系方面的原因；(4)产品开发和营销角方面的原因；(5)法律法规方面的原因。最后,根据落后的原因提出可能改进岳阳市农村信用社中间业务发展的具体措施：(1)提高认识,转变观念；(2)加快改革,建立机制；(3)效益优先,突出重点；(4)市场导向,全力营销；(5)加大投入,强化支撑；(6)外引内训,培养人才。
[Abstract]:With the deepening of the reform of the financial system in China, the opening of the financial industry, the deepening of the degree of innovation, the increasing competition faced by the banking industry, the development of computer network technology, the rise of Internet finance, The phenomenon of traditional financial disintermediation is becoming more and more serious; with the continuous promotion of marketization of interest rates, the full liberalization of interest rates is imminent, the income of bank interest spreads will continue to be compressed; the deposit insurance system, which has been formally implemented since May 1, 2015, has increased the financing costs of the banking sector. Through the banking exit mechanism window. The traditional deposit and loan business, which the banking industry depends on, suffers more and more impact. It will put an end to a banking model that used to grab share of the deposit market, boost credit, and rely on widening spread income. Affected by this, in recent years, financial institutions have been looking for new profit growth points, intermediary business has undoubtedly become the focus of competition among banks. Compared with the domestic state-owned and joint-stock commercial bank intermediary business development, rural credit cooperatives to lag behind. But within the scope of rural credit cooperatives, the rural credit cooperatives system, part of the successful property rights reform of rural commercial banks intermediary business development is obviously better than the rural credit cooperatives that have not yet reformed the property rights. Even in the same province, the middle business development of rural credit cooperatives under the management of the same province is uneven, and the regional differences are great. How can the rural credit cooperatives in the backward areas narrow the development gap, how to ensure that they can establish their roots in the fierce market competition, and how to pay attention to the development of their intermediate business is particularly important. Taking Yueyang Rural Credit Cooperatives as an example, this paper discusses the shortcomings of rural credit cooperatives in the backward areas of intermediate business development, and finds out the measures and paths suitable for the development of intermediate business. First of all, this paper introduces the related concepts of intermediary business and the domestic and foreign research trends. Secondly, this paper focuses on the comparison between Yueyang rural credit cooperatives and Changsha rural credit cooperatives in developed areas. The development course of intermediate business, total income, income structure and development speed of Hefei Science and Technology Rural Commercial Bank. The results show that the main problems of Yueyang Rural Credit Cooperatives in the development of intermediate business are: low total income, insufficient strategic understanding, talent bondage, insufficient investment in science and technology, and so on. Thirdly, according to the problems found in the data comparison and the situation collected in the field investigation, this paper analyzes the reasons for the backward development of the intermediate business of Yueyang Rural Credit Cooperative: (1) the reasons of enterprise management strategy, (2) the reason of science and technology and talent; (3) reasons of management system; (4) reasons of product development and marketing angle; (5) reasons of laws and regulations. Finally, according to the reasons of backwardness, the paper puts forward some concrete measures to improve the development of intermediate business of Yueyang Rural Credit Cooperative: (1) raising awareness and changing ideas; (2) speeding up reform and establishing mechanism; (3) giving priority to benefits and giving prominence to key points; (4) market orientation. Full marketing; (5) increase investment, strengthen support; (6) external training, training talent.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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