重庆村镇银行发展的困境及政策研究

发布时间：2018-09-05 20:27

【摘要】：农村金融历来是我国金融体系中的薄弱环节,政策性银行支农功能不全、商业银行支农功能不断弱化以及农村信用社的垄断与低效,使农村金融市场供需严重失衡。为满足农村多元化与多层次金融服务需要,解决农村金融与经济发展的脱轨问题,村镇银行作为农村新型金融机构的核心主体,如雨后春笋般涌现。我国村镇银行虽然产生时间不长、规模不大，但对经济社会发展的意义却非常重大,它是破解农村金融困境、微小企业融资难的突破口，是推进城乡统筹发展、深化农村改革的重要举措，是激活农村金融市场、完善农村金融体系和提升农村金融服务水平的有效途径。因此，研究村镇银行发展现状、面临困境及其化解困境的对策，对于促进我国村镇银行实现可持续发展，具有重要理论意义和现实价值。本文以金融发展理论和金融创新理论为指导，在借鉴已有研究成果的基础上，采用规范分析与实证分析相结合、文献分析与实地调查相联系等研究方法，对我国村镇银行发展现状、面临困境、制度重构及其发展对策进行了全面系统研究。首先，对我国发展村镇银行的重要意义进行阐述，对村镇银行的现状进行研究，并对村镇银行发展的特点进行总结。其次，分析村镇银行在发展中面临的困境，并从金融制度、农村金融生态、村镇银行自身、监管部门和政府机关等多视角分析产生困境的原因。再次，从监管部门、村镇银行自身和政府机关着手，对我国村镇银行摆脱困境进行了制度重构。最后，从独具特色的统筹城乡改革试验区的重庆市情出发，提出了促进其村镇银行发展的具有可操作性的政策建议。本文在借鉴前人已有研究成果基础上，立足重庆实际，主要从两个方面做了创新性探索：一是从理论上探究了我国村镇银行发展面临的本质问题，，并提出了摆脱困境的制度重构；二是结合重庆目前的实际情况，大胆提出了重庆发展村镇银行的若干政策建议。论文也存在很多不足之处，由于村镇银行产生时间不长，理论研究还不够深入，成功的实践模式还不够多，很多理论问题和实践问题还需在今后村镇银行改革和发展过程中不断探索和不断完善，这也将成为自己关注和研究的重点。
[Abstract]:Rural finance has always been a weak link in the financial system of our country. The function of supporting agriculture by policy banks is not complete, the function of supporting agriculture by commercial banks is weakening, and the monopoly and inefficiency of rural credit cooperatives make the supply and demand of rural financial market seriously out of balance. In order to meet the needs of diversified and multi-level financial services in rural areas and to solve the derailment of rural finance and economic development, village banks, as the core subjects of new rural financial institutions, sprang up like bamboo shoots. Although the village and town banks in our country have not been produced for a long time and on a small scale, they are of great significance to the economic and social development. They are the breakthrough points for solving the financial difficulties in rural areas and the financing difficulties for small and medium-sized enterprises, as well as for promoting the overall development of urban and rural areas as a whole. It is an effective way to activate the rural financial market, perfect the rural financial system and improve the level of rural financial service. Therefore, it is of great theoretical significance and practical value to study the present situation of the development of village banks, to face the dilemma and to resolve the difficulties, for promoting the sustainable development of village banks in China. Under the guidance of financial development theory and financial innovation theory, based on the existing research results, this paper adopts the methods of combining normative analysis with empirical analysis, linking literature analysis with field investigation, and so on. This paper makes a comprehensive and systematic study on the present situation of the development of village and town banks in China, the difficulties, the system reconstruction and the development countermeasures. First of all, the importance of the development of village banks in China is expounded, the current situation of village banks is studied, and the characteristics of the development of village banks are summarized. Secondly, this paper analyzes the difficulties faced by the village banks in the development, and analyzes the reasons from the financial system, the rural financial ecology, the village banks themselves, the supervision department and the government agencies. Thirdly, from the supervision department, the village bank itself and the government organ, it reconstructs the system of the village bank to get rid of the predicament. Finally, starting from the Chongqing market situation of the urban and rural reform pilot area, this paper puts forward some operable policy suggestions to promote the development of the village and town banks. On the basis of the previous research results, based on Chongqing's reality, this paper mainly makes innovative exploration from two aspects: the first is to explore theoretically the essential problems facing the development of village and town banks in China. It also puts forward the system reconstruction of getting rid of the predicament, and puts forward some policy suggestions on the development of village and town bank in Chongqing according to the current situation of Chongqing. The thesis also has many shortcomings, because the village bank produces the time is not long, the theory research is not deep enough, the successful practice pattern is not enough, Many theoretical and practical problems need to be continuously explored and perfected in the course of the reform and development of rural banks in the future, which will also become the focus of their own attention and research.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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