天津市村镇银行现状分析与发展方案设计

发布时间：2018-05-11 00:31

本文选题：骆驼分析 + 村镇银行　；参考：《天津财经大学》2014年硕士论文

【摘要】：中国长期以来,农村金融发展缓慢与经济发展带来的农村地区金融需求,难以平衡。旨在缓解现状,银监会在06发布《关于调整放宽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若干意见》。村镇银行应运而生。天津村镇银行在《小银行大战略》思想指导下,为天津市农村金融服务贡献着自己的力量。自2008年起天津银行发起设立天津第一家村镇银行---蓟县村镇银行后。天津市村镇银行建设经历了数年的努力,形成了如今涉农区县全覆盖的格局。本文在定性研究中采用的诠释路线是从宏观到微观,在了解和研究大背景后,继而细致剖析天津村镇银行的情况。首先对村镇银行进行了宏观的描述,包括了村镇银行的设立、定义和政策演变以及全国发展的总体情况；其次剖析了天津独特的区域特殊性以及天津村镇银行的背景和发展状况,认为天津村镇银行有符合全国村镇银行的特点,也具有天津特色的村镇银行发展优势和不足。在定量研究中,本文通过CAMEL和CAP等经典的定量研究方法,对天津市设立的村镇银行进行研究。通过具体的数字,如资产、存贷比、拨备覆盖率等,与世界范围内的同业进行比较,发现天津市村镇银行具有规模不断扩大、民资参与积极以及风险防控能力强等优势,同时暴露出天津市村镇银行资金利用率不高、流动性风险大等劣势。根据这些情况,分析出天津市村镇银行的特点,包括优势和不足。然后根据天津市村镇银行的特点,提出了天津市村镇银行的发展建议,其中包括充分发挥天津地域优势、发挥软实力、借助多方力量解决人力资源和法人治理发展中遇到的困难等等。
[Abstract]:For a long time, it is difficult to balance the slow development of rural finance and the financial demand of rural areas brought by economic development. In order to alleviate the current situation, CBRC issued in 06 "on the adjustment and relaxation of the access policy of banking financial institutions in rural areas to better support the construction of a new socialist countryside". Village banks came into being. Under the guidance of "small bank strategy", Tianjin Village and Town Bank contributes its own strength to the rural financial service of Tianjin. Since 2008, Tianjin Bank initiated the establishment of Tianjin's first village bank-Jixian Village Bank. The construction of Tianjin Village and Town Bank has experienced several years of efforts, forming a pattern of full coverage of agricultural districts and counties. In this paper, the interpretation route used in the qualitative research is from macro to micro. After understanding and studying the background, the paper analyzes the situation of Tianjin Village and Town Bank in detail. Firstly, it describes the village bank macroscopically, including the establishment of the village bank, the definition and the policy evolution, as well as the overall situation of the national development. Secondly, it analyzes the unique regional particularity of Tianjin and the background and development situation of Tianjin Village Bank, and thinks that Tianjin Village Bank has the advantages and disadvantages of the development of Tianjin Village Bank, which conforms to the characteristics of the National Village Bank and also has the characteristics of Tianjin Village Bank. In the quantitative research, this paper studies the village banks established in Tianjin by the classical quantitative research methods such as CAMEL and CAP. By comparing the specific figures, such as assets, deposit-loan ratio, reserve coverage rate and so on, and comparing with their counterparts around the world, it is found that Tianjin Village and Town Bank has the advantages of continuous expansion of scale, active participation of civilian capital and strong ability of risk prevention and control, etc. At the same time exposed Tianjin village bank capital utilization rate is not high, liquidity risk and other disadvantages. According to these conditions, this paper analyzes the characteristics of Tianjin Village Bank, including advantages and disadvantages. Then according to the characteristics of Tianjin Village and Town Bank, it puts forward some suggestions for the development of Tianjin Village and Town Bank, including giving full play to Tianjin's regional advantages and giving play to soft power. With the help of various forces to solve human resources and corporate governance in the development of difficulties and so on.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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