黑龙江省村镇银行可持续发展评价

发布时间：2018-06-29 21:11

本文选题：村镇银行 + 可持续发展　；参考：《东北农业大学》2016年硕士论文

【摘要】：现阶段农村金融市场还处在垄断阶段,垄断必然导致效率的低下,村镇银行的产生是为了引进新的金融机构、弥补缺位、促进发展,打破旧的农村金融市场的力量对比;为了更好地建设农村地区的金融市场体制,寻求更加完善的农村金融服务,带给农户更好的金融体验,弥补农村金融服务的空白和盲点;为了促进三农问题的解决,使农村地区的经济发展水平登上一个新的台阶。村镇银行的设立标志着新型农村金融机构的诞生,它不仅能够促进农村地区金融体制的发展和完善,而且能够盘活农村地区的金融资源,使农村金融市场焕发新的活力。村镇银行已渐渐成为农村金融市场不可缺少的重要角色,虽然取得了可喜的成绩,但是在村镇银行由弱小变为强大的过程中滋生了一些问题,如不解决这些问题,势必会对村镇银行的可持续发展造成不利影响。本文采用实证分析与规范分析相结合、定量与定性分析相结合、文献查阅法等方法,通过对国内外研究文献综述的研究,界定了村镇银行可持续发展的定义,在村镇银行可持续发展基本理论基础之上,为了便于取得数据和保证研究过程的完整性,本文以黑龙江省巴彦村镇银行(巴彦村镇银行是黑龙江省哈尔滨市于2008年成立的第一家村镇银行)为样本来剖析村镇银行在黑龙江省的可持续发展情况,通过分析研究可持续发展情况进而评价村镇银行的未来发展趋势,为黑龙江省村镇银行可持续发展提供理论支持。本文首先分析了黑龙江省村镇银行的发展现状,指出了其在发展过程中存在的重要问题,并从财务变化因素、客户流动因素、业务拓展因素、风险匹配因素、人力资源配置因素及金融生态因素等六方面来剖析村镇银行可持续发展的影响因素,在动态可比性原则、可行性原则、系统性原则、定量与定性相结合原则及可持续原则等五大原则的指导下进行村镇银行可持续发展评价指标体系的建立,构建了6个一级指标,23个二级指标,然后采用CRITIC方法进行模型建立与实证分析,力图通过本研究以求对黑龙江省村镇银行的可持续发展提供一些可行性的理论建议,为政府进行决策奠定理论基础。
[Abstract]:At the present stage, the rural financial market is still in the monopoly stage, and the monopoly inevitably leads to the low efficiency. The production of village and town banks is to introduce new financial institutions, make up for the vacancy, promote the development and beat the strength contrast of the old rural financial market. In order to better build the financial market system in the rural areas and seek a more perfect rural finance. Services bring farmers a better financial experience, make up the blank and blind spot of rural financial services, and make the economic development level of rural areas on a new level in order to promote the problem of agriculture, rural areas and rural areas. The establishment of village banks symbolizes the birth of new rural financial institutions, which can not only promote the development of the financial system in rural areas. The village bank has gradually become an important and indispensable role in the rural financial market, although it has made gratifying achievements, the village bank has created some problems in the process of changing from small and small to strong, such as not solving these questions. This paper is bound to have a negative impact on the sustainable development of village and town banks. This paper uses the combination of empirical analysis and normative analysis, quantitative and qualitative analysis, literature review and other methods. Through the research of literature review at home and abroad, the definition of sustainable development of village and town banks is defined, and the sustainable development of village and town banks is basic. On the basis of the theory, in order to obtain data and ensure the integrity of the research process, this paper takes the Bayan Village Bank of Heilongjiang province (Bayan village bank is the first village bank established in Harbin of Heilongjiang Province in 2008) as the sample to analyze the sustainable development of the village bank in Heilongjiang Province, and through the analysis and research can be carried out. To further evaluate the future development trend of village and town banks and to provide theoretical support for the sustainable development of village and town banks in Heilongjiang province. This paper first analyzes the development status of village banks in Heilongjiang Province, and points out the important problems in the development process, and from the factors of financial change, customer flow and business expansion. The factors of risk matching, human resource allocation and financial ecological factors are analyzed in six aspects. The sustainable development of village banks is evaluated under the guidance of the principle of dynamic comparability, the principle of feasibility, the systematic principle, the principle of quantitative and qualitative combination and the principle of sustainable development. The establishment of the index system, the construction of 6 first level indicators, 23 two level indicators, and then use the CRITIC method to model and empirical analysis, trying to provide some feasible theoretical suggestions for the sustainable development of the village and town banks in Heilongjiang Province, and lay a theoretical foundation for the government to make decisions.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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