沛县农村商业银行管理提升研究

发布时间：2018-01-15 04:33

本文关键词：沛县农村商业银行管理提升研究　出处：《新疆大学》2015年硕士论文　论文类型：学位论文

【摘要】：中国银监会合作金融机构监管部主任姜丽明表示,将不再组建新的农村合作银行,农村合作银行要全部改制为农村商业银行。国家鼓励符合条件的农村信用社改制组建为农村商业银行。资格股所占农村信用社的股份比例已经降低到30%以下。截止2013年年底,全国已经组建由210家农村合作银行和303家农村商业银行。这些农村银行机构所管理的资产总额已经占到全国农村合作金融机构的总额的41.4%。除此以外,还有1400余家农村信用社基本达到了成立农村商业银行的条件。通过一系列的改革,农村信用社的治理方式已经得到了长足的变化。一直困扰着农村商业银行的内部控制问题也得到了很好的解决,农村商业银行自身也有了推进深层次改革的动力。沛县农村商业银行,作为沛县的主要农村商业银行和徐州地区的重要金融企业,对于当地经济的发展起着重要作用。而沛县农村商业银行也对当地的经营环境非常熟悉,与当地主要村镇企业和养殖户等建立了良好关系。但是,在其改革几年以来,沛县农村商业银行依旧面临着很多问题,如员工文化程度不高,金融产品单一且创新水平不足等等问题。尤其是结合目前金融市场的大环境,即竞争加剧,国家鼓励竞争和创新,如果沛县农村商业银行不进行业务创新、服务创新,则未来发展一定会受到影响。在这样的背景下,我们通过查阅国内外农村商业银行相关文献资料,结合对沛县农村商业银行的经营现状分析,寻找出沛县农村商业银行在发展中存在的问题和不足,并且针对这些问题提出相对应的改进和提高建议。改进和提高建议主要集中在对于三个方面的创新,即创新发展模式创新用人与用工机制创新营销模式。在这一过程中,本文还结合了沛县农村商业银行发展的实际情况与国内金融的大环境。
[Abstract]:China CBRC co director of financial institutions supervision department Jiang Liming said, will no longer set up new rural cooperative banks, rural cooperative banks should be transformed to the rural commercial bank. The State encourages in accordance with the terms of the restructuring of rural credit cooperatives set up rural commercial banks. Qualification shares accounted for the proportion of shares of rural credit cooperatives has been reduced to below 30% by. At the end of 2013, the country has been set up by the 210 rural cooperative banks and 303 rural commercial banks. The total assets of the rural banking institutions management has accounted for 41.4%. in addition to the total national rural cooperative financial institutions, there are more than 1400 rural credit cooperatives has basically reached the establishment of rural commercial bank conditions through a series of reforms. The rural credit cooperative governance has been considerable changes. Has been plagued by the problems of internal control of rural commercial bank has been A very good solution, rural commercial banks have an incentive to promote in-depth reform. Peixian rural commercial bank, as an important financial enterprises are mainly rural commercial banks in Peixian and the Xuzhou region, for local economic development plays an important role. While the Peixian Rural Commercial Bank of the local business environment is very familiar with and to establish a good relationship with the local main rural enterprises and farmers. However, in the few years since the reform, Peixian rural commercial bank still faces many problems, such as the staff level is not high, the problem of financial products and a single level of innovation insufficiency and so on. Especially with the environment of financial market at present, namely the competition the State encourages competition and innovation, if not, Peixian rural commercial bank business innovation, service innovation, future development will be affected. In this context, we pass Access to rural commercial banks at home and abroad relevant literature, combined with the analysis of the operating status of Peixian rural commercial bank, to find out the problems existed in the development of Peixian rural commercial bank's problems and shortcomings, and put forward the corresponding improvement suggestions to solve these problems. Improving suggestions mainly focus on three aspects for innovation that is, innovation and development model innovation and employment mechanism with innovative marketing mode. In this process, the paper also combines the development of Peixian rural commercial bank's actual situation and the domestic financial environment.

【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

【参考文献】