芜湖WW村镇银行可持续发展调研报告
发布时间：2018-12-28 14:28
【摘要】：自改革开放以来,我国的GDP一直处于高速增长的通道,全国十几亿人民的生活质量明显提升。但不可否认的是,城市与农村的经济发展水平差距较大,日益明显,尤其是在广大农村地区,其金融机构的数量远远不如城市,金融供给相对不足。同时,“三农问题”的解决也迫在眉睫,为了致力于挖掘农村地区经济潜力,进一步提高广大农民的收入和改善农村地区人民生活水平,人民政府和央行根据我国农村现状采取了一系列成功的举措,其中村镇银行的诞生是解决农村金融供给不足问题的最有效、最直接的举措,也是发展农村金融的重要一步。村镇银行的出现与其十年的快速发展,激活了农村的金融市场与金融需求,完善了农村的金融组织体系,为农村的建设与发展做出了一定的贡献,对农村的金融发展产生了积极的影响。但是,作为一个新生事物,尤其是需要深入农村地区长久发展的村镇银行,还属于初步的探索期,村镇银行在初步的试点中难免会遇到各种各样的问题,如何在发展的同时妥善解决本身遇到的困难,以便进一步在农村地区扎根、发展,实现自身持续发展的同时,改善当地金融环境,提高当地经济发展水平,意义重大。本文以芜湖WW村镇银行为主要切入点,探索我国目前村镇银行发展的状况,具有一定的代表性与参考价值。芜湖WW村镇银行是经安徽省银监局亲自考核批准,主要发起行为本省的HS银行,成立于2010年,注册资本达到一亿元人民币。芜湖WW村镇银行跟其他的村镇银行一样,在取得不错成绩的同时,不可避免会遇到一些问题。因此,本文希望以芜湖WW村镇银行的实地调研与问卷调查,理清其进一步发展的制约因素,再结合其他村镇银行的成功举措,提出具体的建议,使芜湖WW村镇银行进一步实现可持续发展,进而更好地为当地居民与中小企业服务,实现其价值,也希望能给其他的村镇银行的发展提供一些参考价值。本文的结构含六个组成部分:第一部分,绪论,首先就论文所处的现实背景以及研究意义做了一个说明,然后概括国外以及国内学者对村镇银行的探索情况,其次介绍了可持续发展理论,还说明了本文的写作思路以及可能的贡献与存在的不足。第二部分,主要是基于本次调研,介绍芜湖WW村镇银行目前的现状,对该银行目前发展现状进行相关分析,主要是基于Yaron框架结构分析其绩效,考察其可持续发展能力。第三部分,主要是对本次调研情况做一个简单介绍以及对本次调研的结果进行分析说明。第四部分,主要是基于以上分析,总结芜湖WW村镇银行目前所存在的问题并作相关原因分析。第五部分,主要是参考国内外的成功经验,包括孟加拉格莱珉乡村银行以及我国的仪陇惠民村镇银行,分析他们在发展中所采取的主要成功措施,总结一些经验和启示。第六部分,是对芜湖WW村镇银行的发展做一个简单的小结,以及基于本次调研的分析和参考其他村镇银行的成功举措,对芜湖WW村镇银行如何进一步实现可持续性发展提出一些具体相应的策略,主要包括:第一,加强自身品牌的宣传,提升自身在当地居民的知名度;第二,扩宽资金来源渠道;第三,优化考核机制,提升员工的服务能力;第四,要进一步加强自己的“三农”定位,服务好自己的目标客户;第五,适当增设营业网点,提高农村地区覆盖面,提升自身的实力;第六,申请加入央行的征信系统,引入支付宝芝麻信用;第七,积极推进多方合作,借鉴创新信贷模式,实现共赢。
[Abstract]:Since the reform and opening-up, China's GDP has been at high speed, and the quality of life of more than one billion people in the country is obviously improved. But it is undeniable that the gap between the urban and rural economic development is larger, more and more obvious, especially in the vast rural areas, the number of financial institutions is far less than that of the city, and the financial supply is relatively insufficient. At the same time, the solution of the three-agricultural problem is also urgent. In order to promote the economic potential of the rural areas, further improve the income of the peasants and improve the living standards of the people in the rural areas, the people's governments and the central bank have adopted a series of successful initiatives in accordance with the current situation of the rural areas in our country, The birth of the village bank is the most effective and direct measure to solve the shortage of rural finance, and it is also an important step in the development of rural finance. The emergence of the village bank and the rapid development of the ten years has activated the financial market and financial demand of the countryside, and perfected the financial organization system in the countryside, and made a contribution to the construction and development of the countryside, and has a positive effect on the rural financial development. However, as a new thing, especially the village and town bank that needs to go into the rural area for a long time, it also belongs to the initial discovery period. The bank of the village and the village has difficulty in meeting all kinds of problems in the preliminary experiment, and how to solve the difficulties in itself at the same time of development. so as to further root, develop and realize the sustainable development in the rural areas, improve the local financial environment and improve the local economic development level. This paper, taking Wuhu WW Village and Town Bank as the main point of entry, explores the current situation of the development of the current village bank in our country, and has certain representative and reference value. Wuhu WW Village and Town Bank, which is approved by the Bank of China of Anhui Province, has been set up in 2010 with a registered capital of RMB 100 million. Wuhu WW Village and Town Bank, like other village banks, will inevitably encounter some problems while achieving good results. Therefore, in this paper, we hope to find out the restrictive factors of the further development of Wuhu WW Village and Village Bank, and combine the successful initiatives of other villages and towns, and put forward concrete suggestions to further realize the sustainable development of Wuhu WW village and town bank. In order to better serve the local residents and the small and medium-sized enterprises and realize their value, it is also desirable to provide some reference value for the development of other villages and towns. The structure of this paper is composed of six parts: the first part, the introduction, first of all, a description of the realistic background and the research significance of the thesis, and then summarizes the exploration of the village bank by foreign and domestic scholars, and then introduces the theory of sustainable development. The paper also illustrates the thought of writing and the possible contribution and the deficiency of the present paper. The second part, mainly based on this research, introduces the present situation of Wuhu WW Village and Town Bank, and analyzes the present situation of the current development of the bank, mainly based on the YARon frame structure to analyze its performance and to study its sustainable development ability. The third part mainly is to make a brief introduction to this research situation and to analyze the results of this research. The fourth part, based on the above analysis, summarizes the existing problems of Wuhu WW Village and Town Bank and analyzes the relevant reasons. In the fifth part, reference is made to the successful experiences both at home and abroad, including the village bank of Glama in Bangladesh and the Bank of Huimin Village and Town of our country, to analyze the main successful measures taken by them in the development, and to sum up some experience and enlightenment. The sixth part is to make a brief summary of the development of Wuhu WW Village and Town Bank, and to put forward some specific strategies for how to further realize the sustainable development of Wuhu WW Village and Town Bank based on the analysis of this research and the successful initiatives of other villages and towns, mainly including: First, strengthen the propaganda of its own brand, improve its own visibility in the local population, second, widen the source of funds, and thirdly, optimize the assessment mechanism and improve the service ability of the staff; and fourthly, further strengthen its own 鈥渞ural and rural areas鈥，
本文编号：2394072
[Abstract]:Since the reform and opening-up, China's GDP has been at high speed, and the quality of life of more than one billion people in the country is obviously improved. But it is undeniable that the gap between the urban and rural economic development is larger, more and more obvious, especially in the vast rural areas, the number of financial institutions is far less than that of the city, and the financial supply is relatively insufficient. At the same time, the solution of the three-agricultural problem is also urgent. In order to promote the economic potential of the rural areas, further improve the income of the peasants and improve the living standards of the people in the rural areas, the people's governments and the central bank have adopted a series of successful initiatives in accordance with the current situation of the rural areas in our country, The birth of the village bank is the most effective and direct measure to solve the shortage of rural finance, and it is also an important step in the development of rural finance. The emergence of the village bank and the rapid development of the ten years has activated the financial market and financial demand of the countryside, and perfected the financial organization system in the countryside, and made a contribution to the construction and development of the countryside, and has a positive effect on the rural financial development. However, as a new thing, especially the village and town bank that needs to go into the rural area for a long time, it also belongs to the initial discovery period. The bank of the village and the village has difficulty in meeting all kinds of problems in the preliminary experiment, and how to solve the difficulties in itself at the same time of development. so as to further root, develop and realize the sustainable development in the rural areas, improve the local financial environment and improve the local economic development level. This paper, taking Wuhu WW Village and Town Bank as the main point of entry, explores the current situation of the development of the current village bank in our country, and has certain representative and reference value. Wuhu WW Village and Town Bank, which is approved by the Bank of China of Anhui Province, has been set up in 2010 with a registered capital of RMB 100 million. Wuhu WW Village and Town Bank, like other village banks, will inevitably encounter some problems while achieving good results. Therefore, in this paper, we hope to find out the restrictive factors of the further development of Wuhu WW Village and Village Bank, and combine the successful initiatives of other villages and towns, and put forward concrete suggestions to further realize the sustainable development of Wuhu WW village and town bank. In order to better serve the local residents and the small and medium-sized enterprises and realize their value, it is also desirable to provide some reference value for the development of other villages and towns. The structure of this paper is composed of six parts: the first part, the introduction, first of all, a description of the realistic background and the research significance of the thesis, and then summarizes the exploration of the village bank by foreign and domestic scholars, and then introduces the theory of sustainable development. The paper also illustrates the thought of writing and the possible contribution and the deficiency of the present paper. The second part, mainly based on this research, introduces the present situation of Wuhu WW Village and Town Bank, and analyzes the present situation of the current development of the bank, mainly based on the YARon frame structure to analyze its performance and to study its sustainable development ability. The third part mainly is to make a brief introduction to this research situation and to analyze the results of this research. The fourth part, based on the above analysis, summarizes the existing problems of Wuhu WW Village and Town Bank and analyzes the relevant reasons. In the fifth part, reference is made to the successful experiences both at home and abroad, including the village bank of Glama in Bangladesh and the Bank of Huimin Village and Town of our country, to analyze the main successful measures taken by them in the development, and to sum up some experience and enlightenment. The sixth part is to make a brief summary of the development of Wuhu WW Village and Town Bank, and to put forward some specific strategies for how to further realize the sustainable development of Wuhu WW Village and Town Bank based on the analysis of this research and the successful initiatives of other villages and towns, mainly including: First, strengthen the propaganda of its own brand, improve its own visibility in the local population, second, widen the source of funds, and thirdly, optimize the assessment mechanism and improve the service ability of the staff; and fourthly, further strengthen its own 鈥渞ural and rural areas鈥，
本文编号：2394072
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