我国村镇银行发展问题及对策研究

发布时间：2018-01-10 15:14

本文关键词：我国村镇银行发展问题及对策研究　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：近些年来,我国经济持续快速发展,经济总量已经跃居世界第二位。但伴随而来的城乡二元结构问题,制约着经济社会的进一步发展。在广大农村地区发展还比较落后,尤其是金融体系还很不成熟,难以为农村的持续发展提供金融方面的支持。鉴于上述问题比较突出,我国银行业监督管理委员会于2006年颁布了《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》,以推动农村设立相应的金融机构,服务好农村经济发展。其后一年,我国首家村镇银行在四川南充开业,这标志着我国农村金融进入了新的发展阶段。随后,村镇银行进入到快速发展阶段,数量迅速增长。截至2013年12月31日,我国村镇银行数量已经达到1071家,覆盖了我国大陆的所有省区市。村镇银行体系的建立对于我国农村市场具有重要意义,对于建立健全农村金融体系将发挥出重要作用。虽然村镇银行在我国取得了不小的成就,但与此同时应该注意到其中存在的缺陷。例如监管措施不完善、高层次人才稀缺、风险管理有待提高等等,这些问题制约着我国村镇银行的进一步发展。基于此,本文以村镇银行作为研究对象,旨在通过理论研究、现状解析和趋势预测,探讨村镇银行在我国的发展前景。首先,本文回顾了村镇银行的产生背景和发展历程,阐述村镇银行的定义及其相关概念。其次,本文简要回顾了国内外关于村镇银行的理论文献,力图对当前的研究现状具有较好的把握。接着,本文探讨了当前我国村镇银行的发展状况,利用银监会公布的最新数据,详细分析了我国村镇银行的分布、组织形式、发起人类型以及资本规模等方面的情况。随后,本文重点介绍了我国村镇银行在当前发展阶段中存在的问题,主要包括发起人制度不健全、市场定位偏差、经营管理、风险管控体系和政策扶持等。最后,本文就促进我国村镇银行发展提出了相关的政策建议,主要包括健全市场进入和退出机制、准备设置市场定位、加强和改善经营管理、强化风险管控体系以及加大政策扶持力度等方面。
[Abstract]:In recent years, China's economy continues to develop rapidly, the total economic volume has leapt to the second place in the world, but accompanied by the dual structure of urban and rural areas. It restricts the further development of economy and society. It is still relatively backward in the vast rural areas, especially the financial system is still very immature. It is difficult to provide financial support for sustainable rural development. In 2006, China's Banking Regulatory Commission promulgated some opinions on adjusting and relaxing the admission policy of banking financial institutions in rural areas to better support the construction of a new socialist countryside. In order to promote the establishment of rural financial institutions to serve the rural economic development. The following year, the first village and town bank opened in Nanchong, Sichuan, which marked a new stage of development of rural finance in China. As of December 31st 2013, the number of village banks in China has reached 1 071. The establishment of village and town banking system is of great significance to the rural market of our country and will play an important role in establishing and perfecting the rural financial system. Although the village bank has made great achievements in our country, at the same time, we should pay attention to the defects, such as the imperfect supervision measures, the scarcity of high-level talents, the need to improve risk management and so on. These problems restrict the further development of the village bank in China. Based on this, this paper takes the village bank as the research object, in order to analyze the current situation and forecast the trend through the theoretical research. First of all, this paper reviews the background and development of village banks, expounds the definition and related concepts of village banks. This paper briefly reviews the domestic and foreign theoretical literature on village banks, trying to have a good grasp of the current research situation. Then, this paper discusses the current development of village banks in China. Using the latest data published by CBRC, this paper analyzes in detail the distribution, organizational form, type of sponsors and capital scale of rural banks in China. This paper mainly introduces the problems existing in the current development of village banks in China, including the imperfect sponsor system, market positioning bias, management and management, risk control system and policy support. This paper puts forward some relevant policy suggestions on promoting the development of village banks in China, mainly including perfecting the market entry and withdrawal mechanism, preparing to set up market positioning, strengthening and improving management. Strengthen the risk control system and increase policy support and other aspects.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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