包商银行村镇银行发展战略研究
发布时间：2019-01-16 09:09
【摘要】：国家要以村镇银行为突破口,推进普惠金融建设,加快现代农村金融创新进程盘活农村金融市场。包商银行审时度势积极响应政府加强农村金融体系建设的号召,抓住机遇,顺应时代潮流,在战略上选择了发展村镇银行,积极参与支持农村金融市场发展。在这种背景下本论文通过分析国内农村金融基本现状和包商银行的整体情况,并对包商银行发展村镇银行的可行性和必要性进行了深入剖析,从而提出了包商银行未来发展村镇银行的战略选择。 村镇银行作为一种新型的农村金融机构对包商银行的发展有着至关重要的作用,在当今金融市场竞争日趋激烈的情况下,选择发展村镇银行成为包商银行发展壮大的一个有力支柱。包商银行作为一家资产规模相对较小的股份制商业银行,发展村镇银行可以有效的将市场渗透到农村,在农村开辟出一片新的天地,不仅为业务发展提供了广阔空间,同时也大大缓解了包商银行网点不足带来的发展压力。农村金融的供求关系严重失衡,这就要求农村金融机构推进产品和服务创新,以满足农村农户的多元化和多层次需求,现在各类农村金融机构正在崛起,村镇银行就是一支非常活跃的有生力量。包商银行选择发展村镇银行有着天然的优势,一是包商银行的微小企业贷款技术能与村镇银行服务“三农”的模式有效结合,二是近几年包商银行在发展村镇银行方面做了许多积极而富有成效的探索,积累了丰富的经验。 本文通过对内外部环境研究认为包商银行发展村镇银行是远见卓识的战略选择,包商银行发展村镇银行不仅需要积极寻求政策支持,而且需要从自身实际出发,制定适合自身发展的治理结构和经营模式,为村镇银行的发展提供全方位的支持。
[Abstract]:The state should take village banks as a breakthrough, promote the construction of inclusive finance, and speed up the process of modern rural financial innovation to revitalize the rural financial market. The contractor bank responded positively to the call of the government to strengthen the construction of rural financial system, seized the opportunity, complied with the trend of the times, chose to develop the village bank strategically, and actively participated in supporting the development of the rural financial market. In this context, this paper analyzes the basic situation of rural finance and the overall situation of the contractor bank, and analyzes the feasibility and necessity of the development of the village bank. Thus, the paper puts forward the strategic choice of the contractor bank to develop the village bank in the future. As a new type of rural financial institution, village bank plays an important role in the development of the contractor bank. Choose to develop the village bank to become a strong support for the development of the contractor's bank. As a joint-stock commercial bank with relatively small assets, the contractor bank can effectively penetrate the market into the countryside and open up a new world in the countryside, which not only provides a broad space for business development. At the same time also greatly alleviates the contractor bank network insufficiency brings the development pressure. The relationship between supply and demand in rural finance is seriously out of balance, which requires rural financial institutions to promote product and service innovation in order to meet the diversified and multi-level needs of rural farmers. Now all kinds of rural financial institutions are on the rise. The village bank is a very active living force. The contractor bank has natural advantages in choosing to develop the village bank. First, the small enterprise loan technology of the contractor bank can be effectively combined with the mode of rural, rural and rural banking services. Second, in recent years, the contractor bank has made many positive and fruitful explorations and accumulated rich experience in the development of village banks. Based on the study of internal and external environment, this paper thinks that the development of village banks is a strategic choice of farsightedness. The development of village banks not only needs to actively seek policy support, but also needs to proceed from their own reality. To establish a suitable governance structure and management model for the development of village banks to provide all-round support.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2409679
[Abstract]:The state should take village banks as a breakthrough, promote the construction of inclusive finance, and speed up the process of modern rural financial innovation to revitalize the rural financial market. The contractor bank responded positively to the call of the government to strengthen the construction of rural financial system, seized the opportunity, complied with the trend of the times, chose to develop the village bank strategically, and actively participated in supporting the development of the rural financial market. In this context, this paper analyzes the basic situation of rural finance and the overall situation of the contractor bank, and analyzes the feasibility and necessity of the development of the village bank. Thus, the paper puts forward the strategic choice of the contractor bank to develop the village bank in the future. As a new type of rural financial institution, village bank plays an important role in the development of the contractor bank. Choose to develop the village bank to become a strong support for the development of the contractor's bank. As a joint-stock commercial bank with relatively small assets, the contractor bank can effectively penetrate the market into the countryside and open up a new world in the countryside, which not only provides a broad space for business development. At the same time also greatly alleviates the contractor bank network insufficiency brings the development pressure. The relationship between supply and demand in rural finance is seriously out of balance, which requires rural financial institutions to promote product and service innovation in order to meet the diversified and multi-level needs of rural farmers. Now all kinds of rural financial institutions are on the rise. The village bank is a very active living force. The contractor bank has natural advantages in choosing to develop the village bank. First, the small enterprise loan technology of the contractor bank can be effectively combined with the mode of rural, rural and rural banking services. Second, in recent years, the contractor bank has made many positive and fruitful explorations and accumulated rich experience in the development of village banks. Based on the study of internal and external environment, this paper thinks that the development of village banks is a strategic choice of farsightedness. The development of village banks not only needs to actively seek policy support, but also needs to proceed from their own reality. To establish a suitable governance structure and management model for the development of village banks to provide all-round support.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【引证文献】
相关硕士学位论文 前1条
1 郜慧丽;河北省村镇银行的发展问题与对策研究[D];中南林业科技大学;2014年
，本文编号：2409679
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