合肥科技农村商业银行发展研究

发布时间：2019-04-07 17:01

【摘要】：农村信用社是我国金融体系的重要成员,在我国金融的发展历史过程中占据着不可替代的地位。然而,伴随着我国经济、金融的全面发展,农村信用社由于自身存在的体制弊端,已经无法满足“三农”和中小企业日益多样化的需求,同时也无法适应当今金融体系日新月异的发展要求。随着农村金融市场竞争的加剧,如果不能尽快改变农村信用社现有的问题,农村信用社将很难持续发展下去。因此,为帮助农村信用社继续保持其自身独特的比较性优势,进一步扩大市场占有率,国家对其进行一系列深化改革,农村商业银行应运而生。2001年张家港市农村商业银行、常熟市农村商业银行和江阴市农村商业银行先后成立,拉开了农村信用社改革的序幕。到2014年底,我国已经成立或虽未成立但已经达到成立标准的农村商业银行已达1727家。农村商业银行改革进程十分迅速,经过股份制改造之后的农村商业银行具有许多优势：例如资本金更加充裕、股权结构更加多元化、风险管控更加严格、业务内容更加创新,能够更好的满足“三农”和中小企业的金融需求。然而农村商业银行自农村信用社改制以来,农村商业银行的发展现状、农村商业银行在发展过程中存在哪些问题、农村商业银行和其他国有商业银行相比具有哪些优缺点以及农村商业银行的发展对策分析都值得我们去探讨与研究。本文选取合肥科技农村商业银行为研究对象,对上述关心的问题进行研究分析。合肥科技农村商业银行实在合肥地区农村信用社的基础上改制而来,于2007年2月14日正式挂牌。经过八年的发展,合肥科技农村商业银行已经取得了很大的进步。本文首先从合肥科技农村商业银行的发展现状入手,着重介绍了产权构成、资产规模、机构规模和人员情况等方面,而后又阐述了合肥科技农村商业银行的业务特色。不过在成立八年的发展中,合肥科技农村商业银行仍然存在很多问题,比如产权民营化程度低、公司治理结构不完善和员工素质较低等。为了使合肥科技农村商业银行在将来能够适应潮流,逆势而上,笔者又将合肥科技农村商业银行与我国四大国有商业银行的经营数据和公司治理情况进行比较,找出合肥科技农村商业银行与四大国有商业银行存在的差距,从而在与四大国有商业银行的比较中得到合肥科技农村商业银行的发展启示。并且在文章的最后,相应的提出了解决合肥科技农村商业银行存在问题的解决对策：精确市场定位、优化资产构成、减少政府干预、全面提升员工各方面素质、创新业务种类和提高风险管控能力,为合肥科技农村商业银行的未来发展指明了道路。虽然本文将研究对象限定在合肥科技农村商业银行,但是通过研究所获得的启示和发展对策,同样对其他农村商业银行发展具有重要的意义。
[Abstract]:Rural credit cooperatives (RCCs), an important member of China's financial system, occupy an irreplaceable position in the history of China's financial development. However, with the overall development of China's economy and finance, rural credit cooperatives have been unable to meet the increasingly diversified needs of "agriculture, rural areas" and small and medium-sized enterprises due to their own system shortcomings. At the same time, it can not adapt to the rapid development of today's financial system. With the intensification of competition in rural financial market, if the existing problems of rural credit cooperatives can not be changed as soon as possible, it will be very difficult for rural credit cooperatives to develop continuously. Therefore, in order to help rural credit cooperatives to continue to maintain their own unique comparative advantages and further expand the market share, the country has carried out a series of deepening reforms, rural commercial banks emerged as the times require. Zhangjiagang Rural Commercial Bank in 2001, Changshu City Rural Commercial Bank and Jiangyin City Rural Commercial Bank have been established successively, which opened the prelude to the reform of Rural Credit Cooperatives. By the end of 2014, 1727 rural commercial banks had been established or had not been established. The reform process of rural commercial banks is very rapid. After the reform of joint-stock system, the rural commercial banks have many advantages: for example, the capital is more abundant, the ownership structure is more diversified, the risk control is more strict, and the business content is more innovative. Can better meet the "three rural" and the financial needs of small and medium-sized enterprises. However, since the reform of rural credit cooperatives, the development of rural commercial banks, the development of rural commercial banks in the process of what problems exist in the development of rural commercial banks. Compared with other state-owned commercial banks, the advantages and disadvantages of rural commercial banks and the analysis of the development countermeasures of rural commercial banks are worth discussing and studying. This article selects Hefei technology rural commercial bank as the research object, carries on the research analysis to the above concerned question. Hefei Science and Technology Rural Commercial Bank has been restructured on the basis of Hefei Rural Credit Cooperatives, which was officially listed on Feb. 14, 2007. After eight years of development, Hefei Technology Rural Commercial Bank has made great progress. This paper begins with the development status of Hefei technological Rural Commercial Bank, focusing on the composition of property rights, the scale of assets, the scale of institutions and the situation of personnel, and then expounds the business characteristics of Hefei Sci-tech Rural Commercial Bank. However, in the eight years of development, Hefei Science and Technology Rural Commercial Bank still has a lot of problems, such as the low degree of privatization of property rights, the imperfect corporate governance structure and the low quality of employees and so on. In order to make Hefei Sci-tech Rural Commercial Bank adapt to the trend and go against the trend in the future, the author also compares the management data and corporate governance of Hefei Sci-tech Rural Commercial Bank with the four major state-owned commercial banks in China. Find out the gap between Hefei science and technology rural commercial bank and the four big state-owned commercial banks, and get the enlightenment of the development of Hefei technological rural commercial bank in comparison with the four big state-owned commercial banks. And at the end of the article, the corresponding countermeasures are put forward to solve the problems existing in Hefei Science and Technology Rural Commercial Bank: accurate market positioning, optimization of the composition of assets, reduction of government intervention, overall promotion of the quality of employees in all aspects. The innovation of business types and the improvement of risk control ability point out the way for the future development of Hefei Science and Technology Rural Commercial Bank. Although the research object of this paper is limited to Hefei Technology Rural Commercial Bank, the enlightenment and development countermeasures obtained through the research are also of great significance to the development of other rural commercial banks.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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