新疆天山农村商业银行发展研究

发布时间：2018-06-19 06:28

本文选题：农村商业银行 + 现状　；参考：《新疆农业大学》2014年硕士论文

【摘要】：随着世界经济一体化的快速发展,加快了市场的竞争,全球大众的需要不断增加,原先的银行业务已经不能满足大众的需求,人们对商业银行提出了更高、更好的金融服务需要,增多服务品种,赋予其高效、便捷的产物功能,已经变为了金融行业互相竞争趋势和新方向。农村商业银行在各个发展阶段的发展战略无论从产权、公司治理和竞争对象都与前身农村信用社完全不同,作为地方性法人银行机构面对金融市场的不断开放,如何应对区域内日趋激烈的金融业竞争,进行有效的体制建设和机制转换,如何克服自身弱势,在竞争中寻求生存与发展,己是大势所趋,也成为各家农村商业银行迫切需要探索和解决的问题。面对国内外商业银行纷纷进行战略转型,刚从农村信用社改制不久的新疆天山农村商业银行,在体制、人力资源、技术都落后的情况下,如何在激烈的竞争中发展壮大,是值得我们探讨的。因此本文在相关理论分析及国内外研究现状分析的基础上,首先探讨了新疆天山农村商业银行发展现状,对农村商业银行的发展历程、业务构成、财务收支、涉农业务、金融机构往来收支、不良贷款、风险评估等情况进行深入分析。其次,对新疆天山农村商业银行发展中存在的问题及成因进行了分析。发现新疆天山农村商业银行存在农村信用社色彩浓厚、资产规模小、贷款风险大、网点分布过于集中、收入结构不合理、业务种类单一等问题,并就这些问题的成因进行了分析,认为主要由于新疆天山农村商业银行传统粗放的管理体系、中间业务创新能力弱、盈利性目标和政策性目标互相矛盾、人员素质低、服务对象弱势等造成。最后,提出了促进新疆天山农村商业银行发展的对策建议。即明确市场定位、拓展信贷支持重点行业和领域、加大强农惠农富农信贷支持、确保农户种养殖贷款的有效需求、创新小微企业金融服务、强化民生领域和薄弱环节的信贷支持、积极跟进农村基础设施和新型城镇化建设、加强风险防控措施、加强业务营销和综合服务、强化组织纪律、加强特殊资产管理等十大对策。
[Abstract]:With the rapid development of the world economy, the competition of the market has been accelerated, and the needs of the global public have been increasing. The original banking business has not been able to meet the needs of the masses, and people have put forward a higher demand for commercial banks. The need for better financial services, increasing the variety of services, and giving them efficient and convenient product functions have become the trend and new direction of mutual competition in the financial industry. The development strategy of rural commercial banks in each stage of development is completely different from the former rural credit cooperatives in terms of property rights, corporate governance and competition objects. As a local legal person bank institution, it is facing the continuous opening of financial market. How to deal with the increasingly fierce competition in the financial industry in the region, how to carry out the effective system construction and mechanism transformation, how to overcome their own weakness, and how to seek survival and development in the competition is the trend of the times. Also become each rural commercial bank urgent need to explore and solve the problem. In the face of the strategic transformation of domestic and foreign commercial banks, the Xinjiang Tianshan Rural Commercial Bank, which has just been reformed from the rural credit cooperatives, how to develop and expand in the fierce competition under the situation of backward system, human resources and technology. It is worth discussing. Therefore, based on the relevant theoretical analysis and domestic and foreign research status analysis, this paper first discusses the development of rural commercial banks in Tianshan, Xinjiang, the development process of rural commercial banks, business composition, financial revenue and expenditure, agriculture-related business. Financial institutions current income and expenditure, non-performing loans, risk assessment and other in-depth analysis. Secondly, it analyzes the problems and causes in the development of Xinjiang Tianshan Rural Commercial Bank. It is found that there are some problems in Tianshan Rural Commercial Bank of Xinjiang, such as strong color of rural credit cooperatives, small scale of assets, large loan risk, over-centralized distribution of network, unreasonable income structure, single type of business, etc. Based on the analysis of the causes of these problems, it is considered that the traditional extensive management system of Tianshan Rural Commercial Bank in Xinjiang, the weak innovation ability of intermediate business, the contradiction between profitability and policy objectives, and the low quality of personnel. The service object is weak and so on. Finally, the paper puts forward countermeasures and suggestions to promote the development of Xinjiang Tianshan Rural Commercial Bank. Namely clear market orientation, expand credit support key industries and fields, increase credit support for farmers and rich farmers, ensure the effective demand of farmers' farming loans, and innovate the financial services of small and micro enterprises. Strengthen credit support in the areas of people's livelihood and weak links, actively follow up rural infrastructure and new urbanization construction, strengthen risk prevention and control measures, strengthen business marketing and comprehensive services, and strengthen organizational discipline. Strengthen special assets management and other ten countermeasures.
【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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