山西省农村信用社的商业银行改革研究

发布时间：2018-09-19 14:09

【摘要】：社会主义新农村的建设需要金融的支持，而我国农村地区资金供需情况不容乐观，，农村经济发展所需资金严重不足，这在很大程度上减缓了农村经济发展的脚步。之所以农村地区资金供求矛盾突出，主要是因为随着金融体制改革的不断深化，农村金融体系发生了很大的变化。农业银行在实现股份制改造成功上市之后，农村地区网点大幅减少，业务逐渐转向城市地区，向第二，第三产业转移，服务“三农”的功能弱化。作为农业政策性银行的农业发展银行，其职能定位由一开始的综合支农职能改为目前的单纯职能，资金主要投放于粮棉等农副产品的储备，收购等与此有关的业务。邮政储蓄银行过去多年来只存不贷的状况使得大量来自农村的资金却无法留在农村发挥支持农村经济发展的作用。而民间金融受制于其自身的局限性，也无法满足农村经济发展的资金需求。基于上述原因，在我国农村金融体系中，农村信用社一直发挥着主力军的作用。农村信用社能否稳定有效的运营，直接关系着我国农村金融体系的稳定与发展。但是由于历史原因以及农村信用社自身发展过程中存在的诸多问题，农村信用社要想最大限度的在农村金融体系中发挥支农主力军作用就必须进行改革。在过去的几十年里，农村信用社进行了多次改革。随着改革的不断推进，农村信用社选择何种改革模式成为研究的焦点。山西省的农村信用社改革起步比较晚，目前已有一部分经过股份制改革成为农村商业银行。这样的改革模式成效如何，究竟是否适应山西的经济发展、对山西省农村信用社的改革工作有什么启示和借鉴作用，值得我们去研究。本文以我国农村金融的现状和农村信用社的发展历程为研究背景，深入分析了我国农村信用社目前存在的主要问题，并指出了我国农村信用社进行商业银行改革的必要性和理论基础，选择了几家我国其他省份农村信用社商业银行改革的典型范例进行了分析，并重点详细研究了山西省已经成立的农村商业银行进行股份制商业银行改革的相关内容，对其改制的成效进行了评价。最后，结合山西省的农村商业银行如何进一步发展，提出了相应的对策和建议。纵观以往对农村信用社进行改革的大量研究还没有一篇选择以山西省的农村信用社为研究对象，而本文选取山西省农村信用社为研究对象，具有一定的创新性。本文调查研究获得了山西省几家农村商业银行的经营数据，代表了这些农村商业银行进行商业银行改革发展后的最新发展情况和趋势，使得本文的研究具有更强的时效性。
[Abstract]:The construction of new socialist countryside needs financial support, but the situation of fund supply and demand in rural areas in China is not optimistic, and the funds needed for the development of rural economy are seriously insufficient, which to a great extent slows down the pace of rural economic development. The contradiction between supply and demand of funds in rural areas is prominent, mainly because with the deepening of financial system reform, great changes have taken place in rural financial system. After the Agricultural Bank of China successfully listed on the stock market, the network in rural areas decreased dramatically, the business gradually turned to the urban areas, transferred to the second, tertiary industry, and the function of serving the "agriculture, rural areas and farmers" was weakened. As an agricultural policy bank, the function of Agricultural Development Bank has changed from the function of comprehensive support for agriculture at the beginning to that of simple function at present. The funds are mainly invested in the reserve of grain and cotton and other agricultural and sideline products, acquisition and other related business. In the past years, the Postal savings Bank has made it impossible for a large number of funds from rural areas to remain in rural areas to support the development of rural economy. Private finance is limited by its own limitations, and can not meet the capital needs of rural economic development. For the above reasons, rural credit cooperatives have been playing the main role in our country's rural financial system. The stable and effective operation of rural credit cooperatives is directly related to the stability and development of our country's rural financial system. However, due to historical reasons and many problems existing in the development of rural credit cooperatives themselves, rural credit cooperatives must be reformed in order to maximize the role of supporting agriculture in the rural financial system. In the past few decades, rural credit cooperatives have been reformed many times. With the development of reform, rural credit cooperatives choose which mode of reform becomes the focus of research. The reform of rural credit cooperatives in Shanxi Province started relatively late, and has become a rural commercial bank through joint-stock system reform. What is the effect of such a reform mode, whether it is suitable for the economic development of Shanxi, and what inspiration and reference it has to the reform work of Shanxi Rural Credit Cooperatives, which is worth our study. Based on the current situation of rural finance and the development of rural credit cooperatives in China, this paper makes a thorough analysis of the main problems existing in rural credit cooperatives in China. It also points out the necessity and theoretical basis of commercial bank reform in rural credit cooperatives of our country, and analyzes the typical examples of commercial bank reform of rural credit cooperatives in several other provinces of our country. It also focuses on the relevant contents of reform of joint-stock commercial banks established in Shanxi Province, and evaluates the effectiveness of the reform. Finally, combined with the further development of rural commercial banks in Shanxi Province, the corresponding countermeasures and suggestions are put forward. Throughout the past a large number of studies on the reform of rural credit cooperatives have not a choice of rural credit cooperatives in Shanxi Province as the research object, but this paper selected Shanxi Province rural credit cooperatives as the research object, has a certain degree of innovation. This paper investigates and studies the management data of several rural commercial banks in Shanxi Province, which represents the latest development and trend after the reform and development of these rural commercial banks, which makes the research in this paper more time-efficient.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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