X村镇银行发展现状调查报告

发布时间：2018-03-26 12:01

本文选题：X村镇银行　切入点：发展现状　出处：《广西大学》2014年硕士论文

【摘要】：随着我国经济的不断增长,农村经济发展水平显著提高,我国农村地区所面临的金融需求得不到满足、经济发展缺乏相应的金融支持。在这种背景下,我国银监会于2006年颁布了《关于调整放款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》,确定了村镇银行这种新型金融机构从此存在于我国农村金融机构之中。2007年我国银监会又出台各项规定,随着村镇银行试点范围的扩大,一时间村镇银行如雨后春笋般出现在我国广大的农村金融市场上,X村镇银行就是其中一员。自成立以来,X村镇银行严格履行银监会颁布的各项有关规定,积极开展各项业务,立足服务当地“三农”和小微企业,在发展中取得了一定的成绩,然而,发展中出现的问题更是不容忽视。村镇银行作为一种新型农村金融机构,在规模扩张的背后不乏各种问题,这些问题不仅是X村镇银行在发展中存在的问题,也是我国其他村镇银行在发展中都有可能遇到的问题。笔者通过前往安徽省安庆市宿松县孚玉镇进行实地调查,获得了X村镇银行自开业以来业务发展的相关经营数据,通过走访当地金融办、人民银行,与该行高层领导和内部员工进行探讨,了解了该银行在发展过程中实际面临的一系列问题,本文通过对该行业务数据的分析,肯定了该行自成立以来在当地农村金融市场上的发展确实取得的一些成绩,另一方面,笔者将该行在发展过程中出现的相关问题进行分析整合,分别从外部环境问题和内部发展问题两个方面进行了归纳阐述,并针对该行这两个方面的问题提出了相应的解决措施,同时也希望本文能够为即将成立或刚刚发展的其他村镇银行提供一些参考建议。
[Abstract]:With the continuous growth of China's economy, the level of rural economic development has improved significantly, the financial needs of rural areas in China have not been met, and the economic development lacks corresponding financial support. In 2006, China's Banking Regulatory Commission promulgated some opinions on the admission policy of banking financial institutions in rural areas to better support the construction of a new socialist countryside, and determined that the new type of financial institutions of village and town banks will remain from now on. It lies in the rural financial institutions of our country. In 2007, the CBRC issued various regulations, With the expansion of the pilot scope of the village bank, the village bank is one of the members in the rural financial market of our country. Since its establishment, the Bank has strictly complied with the relevant regulations promulgated by the CBRC, actively carried out various business, and has made certain achievements in the development of serving the local "three rural areas" and small and micro enterprises. As a new type of rural financial institution, the village bank, as a new type of rural financial institution, has many problems behind the expansion of scale. These problems are not only the problems existing in the development of X village bank. It is also the problem that other village banks in our country may encounter in the development. Through a field investigation in Fuyu Town, Susong County, Anqing City, Anhui Province, the author obtained the relevant business data of the X Village Bank since its opening. By visiting the local financial office, the people's Bank of China, This paper discusses with the senior leaders and internal staff of the bank, understands a series of problems that the bank actually faces in the process of development, and through the analysis of the bank's business data, On the other hand, the author analyzes and integrates the related problems in the course of the bank's development, and confirms some achievements that the bank has made in the local rural financial market since its establishment, on the other hand, the author analyzes and integrates the relevant problems in the course of the bank's development. Respectively from the external environment problem and the internal development problem two aspects have carried on the summary elaboration, and has proposed the corresponding solution to these two aspects questions, At the same time, I also hope that this paper can provide some reference suggestions for other village banks that will soon be established or just developed.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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