山东省农村信用社发展战略研究

发布时间：2018-03-09 13:17

本文选题：山东省　切入点：农村信用社　出处：《山东农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：长期以来，我国积极探索解决“三农”问题的可行性战略，其中建设新农村就是其中一个重要的战略选择。为实现我国现代社会的发展，“三农”问题是必须解决的首要问题，不可能也不能随意跨越。山东农村信用社始终以为“三农”服务为宗旨，贯彻落实国家下达的任务，为县城及农村提供金融业务，为农村经济发展提供了多层次的、充足的金融服务支持，很好地发挥了其当地农村金融主力军的作用。但是，一直以来，山东省农村信用社在经营发展过程中出现很多问题，比如发展战略不清晰、经营模式有待改善、业务品种单一等。这些问题严重影响了其发展，尤其是面临现阶段农村金融形势的严峻挑战，厄待解决。所以，针对这些问题，研究山东农村信用社的经营战略问题，根据农村信用社自身的实际情况以及外界环境现状，为其确立长期发展战略思想，实施合理的经营模式、正确的市场定位、制定有效的营销战略，不仅有助于提高山东省农村信用社的综合实力，对其实现可持续发展也有重要的影响。本文根据山东农村信用社现处的内外部环境以及独特的经营特征，运用SWOT分析法，通过研究、分析农村信用社的内部环境、外部环境，揭示其面临的发展机遇以及生存威胁，，进而总结其自身具有的发展优势以及必须克服的劣势。最后，在此基础上，提出山东省农村信用社可以选择的经营发展战略，并一步研究实施措施。本文的研究结论可以总结如下：（1）山东省农村信用社自身经营发展的的优势，主要表现在适应力强、根基深厚、网点众多、客户资源众多、具有品牌效应、经营灵活等方面；当然，社会不断进步，市场不断变化，客户需求变化多端，农村信用社渐渐显现出某些弊端，比如历史包袱沉重，经营发展受束缚；治理手段欠缺，内控薄弱；优质客户资源稀少；员工的综合素质差等。但是，现阶段种种内在、外部环境的变化为农村信用社提供了良好的发展机会，如城乡一体化的进程加快；为进一步深化农村金融改革，国家颁布政策扶持；高素质员工所占比例不断提高；发展环境进一步得到优化。同时，农村信用社也面临着许多威胁，比如竞争者数量越来越多，竞争越来越激烈；替代产品越来越多。严重威胁到山东农村信用社的可持续发展。（2）山东农村信用社推行多元化的组织体系；各种政策扶持落实到位，资产质量得到改善；支农资金不断增加，力度逐渐加大；财务状况开始改善，盈利水平提升；业务领域拓展，各项业务快速发展。同时，农村信用社面临着许多问题：产权制度、资金流动、管理体制“非农化”现象严峻；金融服务水平有待提高等诸方面。
[Abstract]:For a long time, our country has been actively exploring the feasible strategy to solve the problem of "agriculture, countryside and farmers", among which the construction of new countryside is one of the important strategic choices. In order to realize the development of our modern society, the problem of "agriculture, countryside and farmers" is the first problem that must be solved. It is impossible and can not be crossed at will. Shandong Rural Credit Cooperatives always serve the "three rural areas" as their purpose, carry out the tasks assigned by the state, provide financial services for the county towns and rural areas, and provide multi-level services for the development of the rural economy. Adequate financial service support has played a good role as the main force of local rural finance. However, all along, there have been many problems in the management and development of rural credit cooperatives in Shandong Province, such as unclear development strategies. Business model needs to be improved, business variety is single and so on. These problems have seriously affected its development, especially in the face of the severe challenges of the rural financial situation at this stage, Eritrea needs to be solved. Therefore, in view of these problems, This paper studies the management strategy of rural credit cooperatives in Shandong province. According to the actual situation of rural credit cooperatives themselves and the present situation of external environment, it establishes the long-term development strategy thought, implements the reasonable management mode, and has the correct market orientation. Making effective marketing strategy not only helps to improve the comprehensive strength of Shandong Rural Credit Cooperatives, but also has an important impact on its sustainable development. According to the internal and external environment and unique management characteristics of Shandong Rural Credit Cooperatives, this paper analyzes the internal and external environment of RCCs by using SWOT analysis, and reveals the development opportunities and survival threats faced by RCCs. Finally, on the basis of this, the author puts forward the management development strategy that Shandong rural credit cooperatives can choose, and further studies the implementation measures. The conclusions of this paper can be summarized as follows:. (1) the advantages of Shandong Rural Credit Cooperatives in their own management and development are mainly manifested in their strong adaptability, deep roots, numerous networks, numerous customer resources, brand effects, flexible management, and so on. The market is constantly changing, customer demand is changing, rural credit cooperatives gradually show some disadvantages, such as heavy historical burden, management and development constraints, lack of governance means, weak internal control, scarce high-quality customer resources; However, the changes in the external environment have provided a good opportunity for rural credit cooperatives to develop, such as accelerating the process of urban-rural integration, and deepening the rural financial reform. The state promulgates the policy support; the proportion of the high-quality staff is increasing; the development environment is further optimized. At the same time, the rural credit cooperatives are also facing many threats, such as more and more competitors, more and more fierce competition; More and more substitute products threaten the sustainable development of Shandong Rural Credit Cooperatives. 2) Shandong Rural Credit Cooperatives carry out diversified organization system; various policy support is put in place, asset quality is improved; the fund for supporting agriculture is increasing and gradually increasing; the financial situation is beginning to improve and the profit level is improving; At the same time, rural credit cooperatives are faced with many problems: property rights system, capital flow, management system "non-agricultural" phenomenon, and the level of financial services need to be improved.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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