江苏昆山农村商业银行的可持续发展研究

发布时间：2018-11-13 17:23

【摘要】：金融已经成为现代经济的枢纽和命脉,它的发展关系着一国经济的正常运行。这些年来,我国农村金融体制的运行不畅已严重阻碍农村地区经济正常发展,因而农村银行业的改革已成为这几年我国战略发展的重点。农村商业银行,作为我国农村信用社改革的产物,在改革深化中不断发展壮大,已成为农村金融体系中的重要组成部分和支持地方经济发展的重要力量。昆山农村商业银行于2004年12月经中国银行业监督管理委员会批准,于2005年1月8日成立,从其正式对外挂牌成立至今仅走过了短短7年的历史。7年来,昆山农村商业银行取得了骄人的成绩。它从原来的农村信用社改制而成农村商业银行,基本理顺了产权关系、建立了较为健全的公司治理框架、并且近年来的经营业绩一直处于行业前列。然而,在外部环境不断变化的同时,它也暴露出一些问题。其原有体制的弊端尚未从根本上清除。资本规模偏小、人才储备不足、营销渠道单一等弱点开始显现并制约着其发展的速度和质量。同时,由于商业银行业固有的脆弱性,昆山农村商业银行还面临着经济周期波动、政策不确定性、同业竞争的威胁,这要求昆山农村商业银行要明确其发展定位,综合考虑自身情况、同业竞争、市场状况、政府意向等因素,从战略高度制定明确其可持续发展战略及具体实施方案。研究这一内容,不但有助于解决昆山农村商业银行内部问题,更有利于昆山农村商业银行面向外部竞争。具体来说,本文第一部分(第一章和第二章)是从历史发展和当前状况两个方面为全文提供充分背景资料。先是介绍农村商业银行特殊的金融地位和当前农村商业银行内忧外患的现状,然后具体介绍昆山农村商业银行历史沿革和发展现状。第二部分,(第三章、第四章和第五章)是全文重要部分,运用SWOT分析,模型分析、实证分析,结合数据分析,图表法等研究方法,研究昆山农村商业银行目前所处的内外部环境,及其内外部存在的优势和劣势,也分析了近几年昆山农村商业银行风险状态及风险变化状态。然后针对如上分析,笔者阐述昆山农村商业银行可持续发展道路上存在的障碍,并提出昆山农村商业银行该如何克服其自身和外在的障碍,走好可持续发展之路的建议。这个建议具体包括积极构建现代金融企业公司治理架构,强化内部控制；打造流程银行,再造竞争优势；加强管理和营销,提高经营能力；加强金融创新,推进科技建设；优化资本运作,完善激励机制；完善网点管理,审慎跨区域发展。第三部分(第六章)是结束语,对农村商业银行未来的发展趋势提出了自己的看法,总结研究工作中得出的结论,提出有待进一步研究的问题。
[Abstract]:Finance has become the hub and lifeline of modern economy, and its development is related to the normal operation of a country's economy. In recent years, the unsmooth operation of the rural financial system has seriously hindered the normal development of the rural economy, so the reform of the rural banking industry has become the focus of our country's strategic development in recent years. Rural commercial banks, as the product of the reform of rural credit cooperatives in China, have become an important part of the rural financial system and an important force to support the development of local economy. Kunshan Rural Commercial Bank was approved by China Banking Regulatory Commission in December 2004 and was established on January 8, 2005. It has been only 7 years since its formal listing to the outside world. Kunshan Rural Commercial Bank has made remarkable achievements. It changed from the original rural credit cooperatives into a rural commercial bank, basically straightened out the property rights relationship, established a relatively sound corporate governance framework, and in recent years, the business performance has been in the forefront of the industry. However, while the external environment is constantly changing, it also exposes some problems. The drawbacks of its original system have not been fundamentally eliminated. The weakness of capital scale is small, talent reserve is insufficient, marketing channel is single and so on, which begin to appear and restrict its development speed and quality. At the same time, due to the inherent fragility of commercial banking, Kunshan Rural Commercial Bank is also faced with economic cycle fluctuations, policy uncertainty, and the threat of peer competition, which requires Kunshan Rural Commercial Bank to define its development position. Considering its own situation, competition, market situation, government intention and so on, this paper formulates its sustainable development strategy and concrete implementation plan from the strategic height. The study of this content not only helps to solve the internal problems of Kunshan Rural Commercial Bank, but also helps Kunshan Rural Commercial Bank to face external competition. Specifically, the first part of this paper (chapter one and chapter two) is from the historical development and the current situation to provide sufficient background data for the full text. This paper first introduces the special financial status of rural commercial banks and the current situation of internal and external problems of rural commercial banks, and then introduces the history and development of rural commercial banks in Kunshan. The second part (Chapter 3, Chapter 4 and Chapter 5) is an important part of the paper, which uses SWOT analysis, model analysis, empirical analysis, data analysis, chart analysis and other research methods. This paper studies the internal and external environment of Kunshan Rural Commercial Bank and its advantages and disadvantages. It also analyzes the risk state and risk changing state of Kunshan Rural Commercial Bank in recent years. Then, in view of the above analysis, the author expounds the obstacles on the road of sustainable development of rural commercial banks in Kunshan, and puts forward some suggestions on how to overcome their own and external obstacles and take the road of sustainable development. The suggestions include actively constructing the corporate governance structure of modern financial enterprises, strengthening internal control, building process banks, reconstructing competitive advantages, strengthening management and marketing, improving management ability, strengthening financial innovation and promoting scientific and technological construction. Optimize capital operation, perfect incentive mechanism, perfect network management, prudently cross-regional development. The third part (chapter six) is the conclusion, puts forward own view to the future development trend of the rural commercial bank, summarizes the conclusion in the research work, and puts forward the question which needs further research.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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