城镇化进程中河北省村镇银行发展现状与对策研究

发布时间：2018-10-05 08:03

【摘要】：城镇化进程既是经济发展、人口转移的过程,也是产业结构演进,生产、生活发生巨大变化的过程。这个过程对资金、技术和人才都产生了大量的需求,而进行城镇化的地区又多是相对贫穷落后的农村地区,因此城镇化的发展就必然需要现代金融业的支持与帮助。与此同时,作为现代金融业中的骨干力量,大中型商业银行的自身规模和经营模式决定了其在农村地区经营成本较高不具有比较优势。这就需要适合农村地区的、新型的金融机构来为城镇化进程提供服务与支持。为此,在中国农村金融市场中一类新型机构应运而生,这就是村镇银行。村镇银行的诞生和发展必将在农村城镇化进程中发挥至关重要的作用。河北省地处华北平原,是人口大省,更是农业大省。截至2013年底,河北省共成立了36家村镇银行,这些村镇银行在河北省农村城镇化进程中的发展对策以及如何发挥积极作用就成为重要的研究课题。前人对村镇银行及类似的金融机构已进行了较为充分的研究,但针对河北省具体情况进行的研究还很少,特别是将河北省村镇银行放在城镇化这个大背景下进行研究目前还是空白。本文在借鉴国外成功经验的同时,采用规范与实证相结合的方法进行了研究。首先本文在绪论部分介绍了研究背景、意义和方法;随后介绍了城镇化与村镇银行等基本概念、理论基础以及国外类似金融机构的相关经验,并进行了文献综述;在论文的主体部分对村镇银行在河北省城镇化进程中的作用进行了分析与阐述,并从外部经营环境和自身建设等方面进行了分析,发现城镇化进程中河北省村镇银行还存在所处地区经济落后、金融排斥、政策支持力度有限与干预过度并存、资金不足、风险防控能力差、缺乏专业人才、产品差异化程度低等问题;在此基础上,论文最后一部分提出了城镇化进程中河北省村镇银行的发展思路和可选模式,并分别从微观和宏观层面提出了村镇银行加强自身建设和政府部门改善村镇银行外部经营环境、完善监管的建议。
[Abstract]:The process of urbanization is not only the process of economic development, population transfer, but also the process of industrial structure evolution, production and life. This process has produced a great deal of demand for capital, technology and talents, and the areas that carry out urbanization are relatively poor and backward rural areas, so the development of urbanization must need the support and help of the modern financial industry. At the same time, as the backbone of modern financial industry, large and medium-sized commercial banks have no comparative advantage because of their own size and management mode. This requires new types of financial institutions suitable for rural areas to provide services and support for the urbanization process. Therefore, in China's rural financial market, a new type of institutions came into being, this is the village bank. The birth and development of village banks will play a vital role in the process of rural urbanization. Hebei Province is located in the North China Plain, is a large population province, but also a large agricultural province. Up to the end of 2013, 36 village banks have been established in Hebei Province. The development countermeasures and how to play a positive role in the process of rural urbanization in Hebei Province has become an important research topic. Previous studies of village and town banks and similar financial institutions have been carried out more fully, but few studies have been conducted on the specific conditions of Hebei Province. In particular, Hebei Village Bank in the context of urbanization is still blank. While learning from the successful experience of foreign countries, this paper adopts the method of combining normative and empirical research. First of all, this paper introduces the background, significance and methods of the research in the introduction, then introduces the basic concepts of urbanization and village banks, the theoretical basis and the relevant experience of similar foreign financial institutions, and carries on a literature review. In the main part of the paper, the role of village banks in the process of urbanization in Hebei Province is analyzed and expounded, and the external management environment and self-construction are analyzed. It is found that in the process of urbanization, the village and town banks of Hebei Province still exist in the backward economy, financial exclusion, limited policy support and excessive interference, lack of funds, poor ability of risk prevention and control, and lack of professional talents. On the basis of this, the last part of the paper puts forward the development thinking and optional mode of Hebei Village Bank in the process of urbanization. And put forward from the micro and macro level of the village bank to strengthen its own construction and government departments to improve the external operating environment of village banks, and improve the supervision of the recommendations.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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