我国村镇银行信贷产品创新研究

发布时间：2018-04-26 08:23

本文选题：村镇银行 + 信贷产品创新　；参考：《吉林财经大学》2014年硕士论文

【摘要】：村镇银行是新型农村金融机构中的主力军，，是以“三农”服务为宗旨的新型农村金融机构。可以说，村镇银行信贷业务发展的好坏，不仅关系到自身的经营业绩与成长发展，更关系到农村地区的经济发展与产业转型，以及广大农民的生活水平的高低。由于村镇银行近些年来才发展起步，支农助农的力度还是不够。针对“三农”所开展的信贷产品种类不足，信贷产品单一化，缺少创新思维，不能满足农村的资金需求。村镇银行的业务发展要深耕广大农村地区，进行必要的信贷产品创新，适应农村不断变化的经济发展与资金需求，确保自身的可持续发展，为农村地区提供持续且强有力的资金支持。本文先从理论部分进行介绍，对金融创新理论以及银行金融产品创新理论进行了梳理。接着对国内村镇银行信贷产品发展现状做分析，以国外村镇银行发展模式为借鉴，促进我国村镇银行信贷产品的创新。在我国村镇银行信贷产品创新的路径选择上，分析我国村镇银行信贷产品创新的现实依据，以及村镇银行信贷产品创新原则，提出联保贷款、农业供应链融资两种信贷产品创新的模式。根据笔者在农村地区的调研，结合当地农户需求情况，以及信贷产品存在的问题入手，因地制宜，在畜牧业和种植业两方面考虑信贷产品创新，并对信贷产品进行方案设计。为促进村镇银行信贷产品创新研究，在村镇银行内部，强化内部风险管理，注重人才的引进和培养，大力拓展资金来源；在外部，完善金融监管，加大政策的扶持力度，完善农村信贷担保机制，发展农业保险，加强征信体系建设等方面创造良好的农村金融环境。
[Abstract]:The village bank is the main force in the new rural financial institutions, and it is the new rural financial institution with the aim of serving agriculture, countryside and farmers. It can be said that the development of rural bank credit business is not only related to their own business performance and growth and development, but also related to the economic development and industrial transformation in rural areas, as well as the level of living standards of the majority of farmers. Because the village bank develops in recent years, the strength that supports agriculture to assist agriculture is not enough. In view of the shortage of credit products, the singleness of credit products and the lack of innovative thinking, they can not meet the needs of rural funds. The business development of the village and town bank should deeply cultivate the vast rural areas, carry out the necessary credit product innovation, adapt to the changing economic development and capital demand of the countryside, and ensure its own sustainable development. Provide sustained and strong financial support to rural areas. This paper firstly introduces the theory of financial innovation and the theory of bank financial product innovation. Then the paper analyzes the present situation of the development of the credit products of the rural banks in China, taking the development model of the foreign banks as a reference to promote the innovation of the credit products of the banks of the villages and towns in our country. On the path choice of the credit product innovation of the village bank in our country, this paper analyzes the realistic basis of the innovation of the credit product of the village bank in our country, as well as the principle of the innovation of the credit product of the village bank, and puts forward the UNPROFOR loan. Agricultural supply chain financing two kinds of credit product innovation mode. According to the investigation in rural areas, combining with the demand of local farmers and the problems of credit products, the author considers the innovation of credit products in two aspects of animal husbandry and planting industry, and designs the scheme of credit products. In order to promote the innovation of credit products of village banks, strengthen the internal risk management, pay attention to the introduction and cultivation of talents, expand the sources of funds, improve the financial supervision and strengthen the support of policies, Improve rural credit guarantee mechanism, develop agricultural insurance, strengthen the construction of credit system to create a good rural financial environment.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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