乌鲁木齐市天山农商银行体制机制改革研究

发布时间：2018-01-08 09:28

本文关键词：乌鲁木齐市天山农商银行体制机制改革研究　出处：《新疆农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：由于以往的体制不完善、产权不清晰、企业机制不灵活等原因,目前的天山农商银行普遍存在历史遗留问题较重、金融服务水平较低、经营管理能力较弱以及人员素质偏低等难题,这些情况严重制约了乌鲁木齐市天山农商银行的健康快速发展。要解决这些难题,体制机制改革势在必行。在此背景下,本研究主要从乌鲁木齐市天山农商银行的人员素质、经营管理、企业机制体制改革等方面分析乌鲁木齐市天山农商银行体制机制现状,考察该银行目前存在的问题,提出了相关的体制机制改革的具体措施:一、针对乌鲁木齐市天山农商银行产权关系改革,鉴于大中城市城、郊地带的商品经济发展,天山农商银行经营业务实际上已变成商业化,且服务对象以城镇工商企业和个体工商户,建议从实际角度出发组建农村商业银行,实行股份制。二、针对乌鲁木齐市天山农商银行监管机制改革,应着力改善天山农商银行的监管外部环境,并且加强多方合作,在省级政府负责信用社改革的基础上,除了依靠监管部门的自身力量外,更需要各级政府的统筹规划和协调;同时,应尽快实现多方联合行动和加强信息共享,进一步巩固监管部门与天山农商银行内审、风险管理部门之间的联系,建立信息沟通和共享机制,以期提高监管效率。三、针对乌鲁木齐市天山农商银行经营政策改革,应紧紧依靠地方政府,因为只有通过体制机制改革,才能解决历史遗留问题,也只有通过体制机制改革,才能改进经营管理和加快有效发展。此外,在明确改革目标后,应以科学发展观为指导,结构调整为手段,风险控制为前提,以加强经营管理,创新经营机制为突破口进行乌鲁木齐市天山农商银行体制机制的改革。
[Abstract]:The system is not perfect, the property right is not clear, enterprise mechanism is not flexible and other reasons, the Tianshan rural commercial bank exists historical problem is serious, the financial service level is low, management ability is weak and low quality of personnel and other problems, which seriously restrict the Agricultural Bank of Urumqi City Tianshan healthy and rapid development. To solve these problems, it is imperative to reform. Under this background, this research mainly from Urumqi City Tianshan rural commercial bank, quality of personnel, management, enterprise mechanism reform and analysis of the present situation of Urumqi rural commercial bank Tianshan system mechanism, study present the bank's problems, and puts forward some concrete measures for the reform of institutional mechanisms related to: first, in view of the Urumqi City Tianshan rural commercial bank property rights reform, given the large and medium-sized city, rural areas of the commodity economy Show business Tianshan rural commercial bank has actually become commercialized, and the service object to the urban industrial and commercial enterprises and individual industrial and commercial households, suggestions from the angle of the actual construction of the rural commercial bank, joint-stock. Two, according to Urumqi City Tianshan rural commercial bank supervision mechanism reform, we should improve supervision of the external environment of Tianshan rural commercial bank, and to strengthen cooperation, responsible for the basic reform of credit cooperatives in the provincial government, in addition to relying on the regulatory powers of their own, more needs overall planning and coordination at all levels of the government; at the same time, should as soon as possible to achieve multi joint action to further consolidate and strengthen information sharing, supervision department and Tianshan rural commercial bank internal audit, risk management department contact between and the establishment of communication and information sharing mechanism, in order to improve the efficiency of supervision. In three, Urumqi City Tianshan rural commercial bank management policy reform, should be in By the local government, because only through institutional reform, in order to solve the problems left over by history, and only through the reform of institutional mechanisms, in order to improve the management and accelerate the development of effective. In addition, the clear objectives of the reform, with Scientific Outlook on Development as a guide, structural adjustment as a means of risk control as the premise, to strengthen the management, reform and innovation the operating mechanism as a breakthrough in Urumqi Tianshan rural commercial bank system and mechanism.

【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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