温州市村镇银行和小额贷款公司运行现状与问题分析

发布时间：2018-01-04 17:40

本文关键词：温州市村镇银行和小额贷款公司运行现状与问题分析　出处：《南京农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司、村镇银行作为农村金融改革的新生事物,是解决现有农村地区银行业金融机构覆盖率低、金融供给不足、竞争不充分、金融服务缺位等问题的创新之举,在服务宗旨、市场定位、对促进农村经济发展的作用方面是相同的,研究村镇银行和小额贷款公司的发展对解决三农、中小微企业融资困难问题,以及对完善广大农村金融市场都有着强大的推动作用。自2008年开展试点工作以来,我市小额贷款公司、村镇银行秉持服务“三农”、服务中小微企业的宗旨,开展与银行错位经营的业务,发展规模逐渐扩大。特别是自前年温州民问借贷风波以来,小额贷款公司、村镇银行对一些困难的企业金融支持作用起到很大正能量作用,帮助许多中、小企业渡过融资难特别是是流动资金贷款难的困境,弥补了其它商业银行对中、小企业信贷支持力度的弱势,优化了温州金融资源的配置。本文基于文献法,对于专著、学术期刊论文、统计年鉴、专题网站网页以及部分学术性较强的报刊上参阅国内外各学者的关于小额贷款公司、村镇银行发展理念的研究成果进行归纳总结；再用访谈法等对金融办、银监局、小额贷款公司、村镇银行等有关人士进行面对面、电话等方式的访谈,从中积累实践和相关数据,找出温州市村镇银行和小额贷款公司运行总体情况和问题,并在此基础上从自身优势和劣势,外部面临的风险和机遇等方面进行系统分析得出以下相关研究：一,温州小额贷款公司、村镇银行发展模式特点及运行总体情况；二,跟这两者发展息息相关的温州县域经济金融基本情况和温州民间融资基本情况；三,两者运行存在问题并对此进行原因剖析,得出温州地区小额贷款公司与村镇银行自身优势与劣势,外部环境面临挑战与机遇发展。目前温州小额贷款公司和村镇银行发展势头虽然不错但是也面临一些困境：经营限制较多、相关扶持政策不足、自身先天不足、监管体系不健全、风险防范不足等；四,针对小额贷款公司与村镇银行的SWOT分析进行战略组合归纳,从寻求政策突破、借势发展、借机发展、打造平台、优化环境、提升自身等不同角度提出有利于小额贷款公司与村镇银行可持续发展的政策和建议,寻求一条适合温州本土发展的特色之路,以更好的服务农村金融市场与当地经济发展。
[Abstract]:Small loan companies, rural banks as a new rural financial reform in rural areas, is to solve the existing banking financial institutions, low coverage, lack of financial supply, inadequate competition, innovations in financial services such as lack of market positioning, in the purpose of service, and is the same for promoting rural economic development, research rural banks and small loan companies to solve the development of agriculture, small and micro enterprises financing difficulties, and to improve the rural financial markets have a strong role in promoting. Since 2008 to carry out pilot work, the city of small loan companies, village banks adhere to "Sannong", service of small and micro enterprises to carry out the purpose with the bank's business development dislocation, gradually expand the scale. Especially since the year before the Wenzhou folk lending crisis since, small loan companies, village banks with some difficulty Enterprise financial support plays a role in many positive energy, to help small businesses through financing, especially liquidity loan difficulties for other commercial banks to credit, efforts to support small businesses vulnerable, optimize the allocation of financial resources in Wenzhou. Based on the literature, the academic monographs. Journal articles, statistical yearbook, website "and some strong academic newspapers refer to scholars at home and abroad on the small loan company, research the development of rural banks idea are summarized; then interview on the finance office, the Banking Bureau, small loan companies, rural banks and other relevant person of face-to-face, telephone such as interviews, accumulation of practice and related data from Wenzhou City, to find out the rural banks and small loan companies to run the overall situation and problems, and on this basis from their own The advantages and disadvantages of external risks and opportunities and other aspects of the following related research and analysis system: first, Wenzhou small loan companies, village banks characteristics development model and the overall operation; two, Wenzhou County Economic and financial base is closely related with both the development and the basic situation of Wenzhou private financing; three, there are two operation this problem and analyze the reasons for the small loan companies and rural banks in Wenzhou in their own strengths and weaknesses, challenges and opportunities for the development of the external environment. At present, Wenzhou small loan companies and rural banks development momentum is good but it also faces some difficulties: operating more restricted, related to the lack of policy support, the congenitally deficient, the regulatory system is not perfect. The lack of risk prevention; four, SWOT for the small loan companies and rural banks, the analysis of the strategic combination of induction From the policy, seeking a breakthrough, taking advantage of development, to development, to build a platform, optimize the environment, enhance their own different angles put forward in favor of small loan companies and the sustainable development of rural banks and policy suggestions, seek a suitable for Wenzhou local development characteristics of the road, to serve the rural financial market and the development of the local economy better.

【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

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