广州市村镇银行发展研究

发布时间：2018-04-04 09:33

本文选题：农村金融　切入点：村镇银行　出处：《仲恺农业工程学院》2014年硕士论文

【摘要】：我国村镇银行，从无到有，经历了整整七年，对我国农村新型金融体系的完善、农村金融服务水平与质量的提高、农村金融环境的改善做出了重大贡献。但是我国村镇银行整体发展不均衡，有部分村镇银行仍然存在管理不完善、内控不严密、风控水平较低、服务偏离支农方向等问题，总的来说，我国村镇银行可持续发展能力有待提高。而广州市村镇银行作为广州市农村金融的新生力量，面对发展历程短、同业竞争激烈的情况下，如何在广州市自身良好的金融平台，借着国家政策的东风，探索出一条具有广州特色的村镇银行发展模式是一个值得思考的问题。针对广州市村镇银行发展的情况，本文深入探讨和分析广州市村镇银行发展的总体状况、体制状况、发起状况以及行别状况。首先运用SWOT分析方法，分别对广州市村镇银行的优势、劣势、机遇、挑战进行分析，并相应地做出矩阵分析。接着通过国内外村镇银行的运行模式、经营特点、发展策略比较分析，，得出基本经验与启示。最后从政府、银行、客户、社会四个层面，提出促进广州市村镇银行可持续发展的对策建议。本文对广州市村镇银行发展有较强的理论指导性和实际促进作用，同时对于广州市农村金融市场的优化、城乡经济和谐发展也具有重要的现实作用。
[Abstract]:The village banks in our country have made great contributions to the improvement of the new rural financial system, the improvement of the level and quality of rural financial services and the improvement of the rural financial environment.However, the overall development of village and town banks in our country is not balanced, and some village and town banks still have problems such as imperfect management, inadequate internal control, low level of risk control, service deviation from the direction of supporting agriculture, and so on.The ability of sustainable development of village and town banks in China needs to be improved.As a new force in Guangzhou's rural finance, the Guangzhou Village and Town Bank, faced with a short history of development and fierce competition among its peers, how to take advantage of the national policy in Guangzhou's own good financial platform,It is worth thinking to explore a development mode of village bank with Guangzhou characteristics.In view of the development of village banks in Guangzhou, this paper probes into and analyzes the general situation, system status, initiation status and behavior status of the development of village banks in Guangzhou.Firstly, this paper analyzes the advantages, disadvantages, opportunities and challenges of Guangzhou Village Bank by using SWOT analysis method, and makes a matrix analysis accordingly.Then, through the comparative analysis of the operation mode, management characteristics and development strategy of the village and town banks at home and abroad, the basic experience and enlightenment are obtained.Finally, from the government, bank, customer, social four levels, put forward the countermeasures and suggestions to promote the sustainable development of Guangzhou Village Bank.This paper has a strong theoretical guidance and practical promotion to the development of rural banks in Guangzhou. At the same time, it plays an important role in the optimization of the rural financial market in Guangzhou and the harmonious development of urban and rural economy.
【学位授予单位】：仲恺农业工程学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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