南昌大丰村镇银行发展中的问题及对策研究

发布时间：2018-02-11 19:22

本文关键词： 村镇银行南昌大丰村镇银行三农问题　出处：《四川农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村地区金融资源匮乏、金融服务不到位,三农问题仍未得到根本性的解决。作为增加农村金融供给的一项举措,村镇银行在全国陆续开业并成为新型农村金融机构中最重要的分支构成,试图解决阻碍“三农”发展的各种症结。然而由于发起银行资源有限,地方政府资源匮乏,以及国家城镇化进程加快等众多因素,各地的村镇银行相继暴露出盈利水平较差,业务发展缓慢,经营风险较高等问题。本文以家乡南昌县的大丰村镇银行为对象,希望通过研究剖析其发展中存在的问题,为大丰村镇银行及国内其他村镇银行的自身改善和地方政府提供对策建议。本文主要研究内容包括三个部分：首先运用文献分析法搜集、研究并梳理国内外相关文献资料,既包括对国内村镇银行及国外与村镇相似的社区银行、乡村银行在性质、与地方经济发展的关系、问题与对策等方面,也包含与村镇银行发展相关的三大理论；其次,理论研究与调查相结合,以理论为指导,依据对南昌大丰村镇银行的基本业务概况和运营成效的调查,对其内外存在的问题和原因进行定性和定量相结合的分析。最后在吸收和借鉴国外农村小型金融机构成功经验的基础上,总结改善问题的对策。通过对南昌大丰村镇银行的研究,得出其在发展中在内部经营管理、市场定位、金融生态环境、金融基础设施、金融监管五个方面存在问题。探究问题的原因,主要集中在制度、社会经济环境、政策三方面。通过对发达国家的社区银行、发展中国家的农村银行的研究调查,得到它们可借鉴的成功之处,包括坚实的制度保障、准确的产品和市场定位、灵活的业务经营模式等方面。综合以上,针对村镇银行存在的问题提出了五点意见：第一,提升内部经营管理水平；第二,明确市场定位：第三,拓宽融资渠道,加强金融创新；第四,加大政府扶持,健全相关配套制度；第五。优化金融生态环境,加强金融监管。希望通过这些对策建议,为促进家乡农村的经济社会发展出一份力量,同时为促进全国所有的村镇银行的持续运营、进而引申至优化农村金融体系、最后为长期以来备受关注的“三农”问题做出兼具理论和实践意义的贡献。
[Abstract]:In rural areas, the financial resources are scarce, the financial services are not in place, and the problems of agriculture, rural areas and farmers have not been fundamentally resolved. As a measure to increase the supply of rural finance, The village banks have been opened one after another throughout the country and have become the most important branch of the new rural financial institutions, trying to solve the various sticking points that hinder the development of the "three rural areas". However, due to the limited resources of the initiating banks, the local governments are short of resources. As well as many factors, such as speeding up the process of urbanization and so on, the village and town banks in various places have exposed problems such as poor profit level, slow business development, high operating risk, etc. This paper takes Dafeng Village Bank of Nanchang County as the object. Hoping to analyze the problems in its development through research, The main contents of this paper include three parts: firstly, using literature analysis method to collect, study and comb the relevant literature data at home and abroad, and provide suggestions for the improvement of Dafeng Village Bank and other domestic and foreign village banks. It not only includes three theories related to the development of village and town bank, but also includes the following three aspects: domestic village bank and foreign similar community bank, rural bank in nature, relationship with local economic development, problems and countermeasures, and so on; secondly, there are three theories related to the development of village and town bank. Combining theoretical research with investigation, under the guidance of theory, based on the survey of the basic business situation and operational effectiveness of Dafeng Village Bank in Nanchang, Finally, on the basis of absorbing and drawing lessons from the successful experience of foreign rural small financial institutions, Through the study of Dafeng Village Bank in Nanchang, we can find out its internal management, market orientation, financial ecological environment, financial infrastructure, Problems exist in five aspects of financial supervision. The reasons for the problems are mainly focused on three aspects: institution, social and economic environment, and policy. Through the research and investigation of community banks in developed countries and rural banks in developing countries, The successes they can learn from include solid institutional safeguards, accurate product and market positioning, flexible business models, and so on. On the basis of the above, this paper puts forward five suggestions on the problems existing in village banks: first, Improve the level of internal management; second, clear market positioning; third, broaden financing channels, strengthen financial innovation; 4th, increase government support, improve the relevant supporting system; 5th. Optimize the financial ecological environment, Strengthening financial supervision. We hope that through these countermeasures and suggestions, we will develop a force for promoting the economic and social development of our hometown and rural areas, and at the same time, in order to promote the sustained operation of all village banks throughout the country, and thus to optimize the rural financial system, Finally, it makes both theoretical and practical contributions to the long-paid attention to the issue of agriculture, rural areas and farmers.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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