靖江润丰村镇银行竞争战略研究

发布时间：2018-10-23 08:14

【摘要】：我国农村经济基础薄弱且农业人口所占比重较大,因此,对于我国来说,加强社会主义新农村建设的任务艰巨且意义深远。经济的发展离不开金融服务的支持,我国农村金融机构匾乏和金融服务缺失制约着农村经济发展的现状更决定了金融改革在这次新农村改革中的重要性。只有形成开放、竞争、有序的多元化农村金融体系才能更好地支持新农村建设。中国银监会发布《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》,降低了农村金融组织的建立门槛,以解决广大农村地区金融机构网点少,金融服务缺乏的问题,在这一背景下,村镇银行等农村金融组织应运而生。村镇银行是一种全新的农村金融组织形式,它的建立是我国农村金融改革史上的重大突破。村镇银行拓宽了农村地区的金融服务范围,为农村地区提供了更多的资金支持,对提高农村的金融服务水平,完善农村金融体系起到了重要作用。但村镇银行作为一个新生事物,其存在和发展必然面临诸多问题。本文试图围绕村镇银行展开研究,从村镇银行成立的背景、意义、发展现状及存在的问题入手,并以靖江润丰村镇银行为例,运用波特的钻石模型理论,分析其发展存在的优势及弊端,最后就如何实施竞争战略以及相关保障措施提出具体建议。
[Abstract]:The rural economic base of our country is weak and the proportion of agricultural population is large. Therefore, for our country, the task of strengthening the construction of new socialist countryside is arduous and far-reaching. The development of economy can not be separated from the support of financial services. The lack of rural financial institutions and the lack of financial services restrict the development of rural economy, which determines the importance of financial reform in this new rural reform. Only an open, competitive and orderly diversified rural financial system can better support the new rural construction. The China Banking Regulatory Commission (CBRC) has issued several opinions on readjusting and relaxing the access policy of banking financial institutions in rural areas to better support the construction of a new socialist countryside, which has lowered the threshold for the establishment of rural financial organizations. In order to solve the problem of lack of network and financial service in rural areas, rural financial organizations such as village banks emerge as the times require. Village bank is a new form of rural financial organization, its establishment is a major breakthrough in the history of rural financial reform in China. The village bank broadens the scope of financial services in rural areas, provides more financial support for rural areas, and plays an important role in improving the level of rural financial services and perfecting the rural financial system. But village bank as a new thing, its existence and development must face many problems. This paper attempts to research around the village bank, starting with the background, significance, development status and existing problems of the village bank, and taking Jingjiang Runfeng Village Bank as an example, using Porter's diamond model theory. This paper analyzes the advantages and disadvantages of its development, and finally puts forward some concrete suggestions on how to implement the competition strategy and relevant safeguard measures.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【参考文献】