基于PEST分析的黑龙江省村镇银行研究

发布时间：2018-01-16 05:28

本文关键词：基于PEST分析的黑龙江省村镇银行研究　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：“中国要强,农业必须强；中国要美,农村必须美；中国要富,农民必须富”,解决好“农业、农村、农民”问题,是促进“四化同步”发展,全面建成小康社会,乃至实现“中国梦”的重要前提。近年来,党和国家领导人始终把解决“三农”问题放在工作“重中之重”的地位,仅就中央一号文件来说,“三农”问题连续十一年成为关注的焦点,其在社会主义现代化建设时期的重要地位可见一斑。农业的发展,农村的繁荣,农民的富裕,都离不开金融的支持。因此,解决“三农”问题的关键,在于解决好农村金融存在的问题。目前,我国农村金融主要存在金融机构和金融服务覆盖面低、金融产品单一,支农资金供应不足等问题,难以满足“三农”发展的金融需求。同时,国家统计局发布的信息显示,未来六年,新农村建设将需要约15万亿的新增资金总需求量。农村金融服务和资金的庞大需求,与农村金融供给不足的现状,形成了巨大的矛盾。但是,村镇银行等新型农村金融机构的出现和发展使这个难题的解决变得前景光明,作为国家所鼓励和支持的新型农村金融机构的主力军,村镇银行将在填补农村金融机构空白,满足农村金融服务需求,增加“三农”资金供给,构建竞争性农村金融市场等方面发挥重要作用。黑龙江省是我国的农业大省,有着得天独厚的自然资源,然而,农村资金的匮乏使“三农”的发展备受制约。为了构建与农业和农村发展相适应的现代农村金融体系,黑龙江省从2008年开始设立村镇银行,到2012年末,已开业村镇银行22家。黑龙江省村镇银行自组建以来,在增加“三农”金融服务供给,缓解农户和小微企业的贷款难等方面做出了贡献。但由于时间的限制和经验的不足,村镇银行的发展过程中产生了一些问题,为了达成村镇银行设立的初衷以及帮助村镇银行发展壮大,对村镇银行存在问题的研究具有重要意义。因为村镇银行并不是孤立发展的,所以村镇银行的发展除了受到自身存在问题的制约以外,各种外界因素对其的影响也不容忽视,由此,本文在介绍黑龙江省村镇银行发展现状的基础之上,首先对影响村镇银行发展存在的问题进行了分析总结,其次,运用PEST分析方法,从政治环境、经济环境、社会环境和技术环境四个方面进行分析,归纳总结影响村镇银行发展的外部因素,包括促进因素和制约因素两类。综合村镇银行存在的问题及外部制约因素相应提出对策建议,为促进村镇银行的发展提供参考。
[Abstract]:"China is strong and agriculture must be strong; China must be beautiful, rural must be beautiful; In order for China to be rich, farmers must be rich, and to solve the problems of "agriculture, rural areas, and farmers" is an important prerequisite for promoting the development of the "four modernizations", building a well-off society in an all-round way, and even realizing the "Chinese dream" in recent years. Party and state leaders have always placed the solution of the "three rural issues" as the "top priority" in their work. As far as the first document of the Central Committee is concerned, the issue of "agriculture, countryside and farmers" has been the focus of attention for 11 consecutive years. Its important position in the period of socialist modernization construction can be seen. The development of agriculture, the prosperity of the countryside and the prosperity of the peasants can not be separated from the financial support. Therefore, the key to solve the problem of "agriculture, countryside and farmers" lies in the solution of the problems existing in the rural finance. There are many problems in rural finance in China, such as low coverage of financial institutions and financial services, single financial products, insufficient supply of funds for agriculture, and so on, which are difficult to meet the financial needs of the development of agriculture, rural areas and farmers. According to the information released by the National Bureau of Statistics, in the next six years, the construction of new countryside will require about 15 tillion of the total demand for new funds, the huge demand for rural financial services and funds, and the current situation of insufficient supply of rural finance. However, the emergence and development of rural banks and other new rural financial institutions make the solution of this problem bright, as the main force of the new rural financial institutions encouraged and supported by the country. Village banks will play an important role in filling up the gap of rural financial institutions, meeting the demand of rural financial services, increasing the supply of funds for agriculture, rural areas and farmers, and building competitive rural financial markets. Heilongjiang Province is a big agricultural province in China, with unique natural resources, however. The lack of rural funds restricts the development of agriculture, rural areas and farmers. In order to build a modern rural financial system suitable for agriculture and rural development, Heilongjiang Province has set up village banks since 2008. By end of 2012, 22 village banks had been opened. Since the establishment of Heilongjiang village banks, the supply of financial services for agriculture, rural areas and farmers has been increased. But due to time constraints and lack of experience, there are some problems in the development of village banks. In order to achieve the original intention of the establishment of village banks and to help the development of village banks, it is of great significance to study the existing problems of village banks. Because the village bank is not an isolated development, so the development of the village bank in addition to the constraints of its own problems, a variety of external factors can not be ignored. On the basis of introducing the present situation of the development of village banks in Heilongjiang province, this paper firstly analyzes and summarizes the problems that affect the development of village banks, and secondly, applies the PEST analysis method to analyze the political environment. The economic environment, social environment and technological environment are analyzed, and the external factors that affect the development of village banks are summarized. It includes two kinds of promoting factors and restricting factors. The problems existing in the comprehensive village bank and the external restrictive factors are put forward to provide reference for promoting the development of the village bank.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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