蚌埠农村商业银行支农情况调研报告
发布时间：2018-11-16 13:01
【摘要】：中国社会主义市场经济的可持续发展,金融市场也跟着发生了变化。在新的历史时期,国家大力倡导深化农村金融改革,改善农村生产生活水平,号召发展“普惠金融”。农村经济的核心是农村金融,蚌埠农村商业银行作为支农队伍中的一员,将致力于农村金融改革的良好开展。融资难、成本高、抵押难等诸多因素一直成为阻碍“三农’发展的大问题。对陈旧的蚌埠农村信用社改革,发展成为现在的蚌埠农村商业银行,蚌埠农村商业银行自身的变革也为蚌埠的农村经济发展带来更多的资金支持。本文对蚌埠农村商业银行进行调研,了解蚌埠农商行在支农发展工作中的进展情况,希望对于银行业机构在解决农村经济问题时具有借鉴意义。 首先,通过对我国整体农村合作金融组织在支农方面发展情况的介绍,总结出国家为解决支农中的融资、抵押等问题付出了很多的努力。包括投入的涉农贷款总量、用途及定向投放等,总体来说,规模都是逐年增加,此外,我国从财政、税收、货币、监管四大政策方面出台一系列扶持农村金融改革和发展的文件。 随后,本文就前期在农商行进行调研的过程、内容进行了阐述,并从调研所得资料整理出,目前蚌埠农村商业银行在支持“三农”、县域经济及农村小微企业的信贷投入力度、农村金融产品和服务方式的创新等情况。 通过对蚌埠农村商业银行支持农村经济发展现状的分析,总结了蚌埠农商行在支农发展过程中存在的问题,并分析原因。问题主要包括蚌埠市农村金融市场的竞争情况,使得农村市场中支农扶农的金融机构增多,带来巨大的挑战和发展机遇。在支农工作中存在许多不确定成因会增加贷款风险。目前蚌埠农商行缺乏创新,如技术、业务、产品等创新能力都很低,亟待解决。 在前文分析与归纳的基础上,就蚌埠农村商业银行在支农发展中的存在的问题给出了对策。对策从自身优势、市场定位、强化人才队伍建设等方面提出,建议蚌埠农商行整合自身区域、资源等优势,加强员工梯队建设,以增强自身竞争核心力,完善服务对象的征信系统建设,在支农服务中做出更大贡献,同时寻找有利自身的发展点。
[Abstract]:With the sustainable development of China's socialist market economy, the financial market has also changed. In the new historical period, the state strongly advocates deepening the rural financial reform, improving the rural production and living standards, and calls for the development of "inclusive finance". The core of rural economy is rural finance. Bengbu Rural Commercial Bank, as a member of agricultural support team, will devote itself to the good development of rural financial reform. Difficult financing, high cost, mortgage and many other factors have been hindering the development of agriculture, rural areas and farmers. The reform of the old Bengbu Rural Credit Cooperatives has developed into the Bengbu Rural Commercial Bank. The reform of Bengbu Rural Commercial Bank has also brought more financial support to the rural economic development of Bengbu. This paper investigates Bengbu Rural Commercial Bank and finds out the progress of Bengbu Rural Commercial Bank in the development of supporting agriculture, hoping that it can be used as a reference for banking institutions in solving rural economic problems. First of all, through the introduction of the development of the whole rural cooperative financial organization in supporting agriculture, the paper concludes that the state has made a lot of efforts to solve the problems of financing and mortgage in supporting agriculture. Including the total amount of agricultural loans invested, their use and targeted investment, and so on. In general, the scale has increased year by year. In addition, our country has been increasing in terms of finance, taxation, currency, etc. Supervision of the four major policies issued a series of supporting rural financial reform and development documents. Then, this paper expatiates on the research process and content of the rural commercial bank in the early stage, and collates the data from the investigation. At present, the rural commercial bank of Bengbu is supporting the credit investment of the "three rural areas", the county economy and the rural small and micro enterprises. Innovation of rural financial products and services. Based on the analysis of the current situation of Bengbu Rural Commercial Bank supporting the development of rural economy, this paper summarizes the problems existing in the process of supporting agriculture development of Bengbu Rural Commercial Bank, and analyzes the reasons. The main problems include the competition of rural financial market in Bengbu, which makes the financial institutions supporting agriculture and supporting agriculture increase in the rural market, and brings great challenges and development opportunities. In the work of supporting agriculture, there are many uncertain causes that will increase the risk of loans. At present, Bengbu Agricultural Company lacks innovation, such as technology, business, products and other innovation capabilities are very low, urgent need to be solved. On the basis of previous analysis and induction, this paper puts forward some countermeasures to the problems of Bengbu Rural Commercial Bank in the development of supporting agriculture. The countermeasures are put forward from the aspects of their own advantages, market orientation, strengthening the construction of talent team and so on. It is suggested that Bengbu Agricultural and Commercial Bank should integrate its own region, resources and other advantages, strengthen the construction of staff echelons, so as to enhance the core force of its own competition. Improve the credit system construction of the service object, make greater contribution in supporting agriculture service, at the same time, look for the development point that is advantageous to oneself at the same time.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
本文编号：2335580
[Abstract]:With the sustainable development of China's socialist market economy, the financial market has also changed. In the new historical period, the state strongly advocates deepening the rural financial reform, improving the rural production and living standards, and calls for the development of "inclusive finance". The core of rural economy is rural finance. Bengbu Rural Commercial Bank, as a member of agricultural support team, will devote itself to the good development of rural financial reform. Difficult financing, high cost, mortgage and many other factors have been hindering the development of agriculture, rural areas and farmers. The reform of the old Bengbu Rural Credit Cooperatives has developed into the Bengbu Rural Commercial Bank. The reform of Bengbu Rural Commercial Bank has also brought more financial support to the rural economic development of Bengbu. This paper investigates Bengbu Rural Commercial Bank and finds out the progress of Bengbu Rural Commercial Bank in the development of supporting agriculture, hoping that it can be used as a reference for banking institutions in solving rural economic problems. First of all, through the introduction of the development of the whole rural cooperative financial organization in supporting agriculture, the paper concludes that the state has made a lot of efforts to solve the problems of financing and mortgage in supporting agriculture. Including the total amount of agricultural loans invested, their use and targeted investment, and so on. In general, the scale has increased year by year. In addition, our country has been increasing in terms of finance, taxation, currency, etc. Supervision of the four major policies issued a series of supporting rural financial reform and development documents. Then, this paper expatiates on the research process and content of the rural commercial bank in the early stage, and collates the data from the investigation. At present, the rural commercial bank of Bengbu is supporting the credit investment of the "three rural areas", the county economy and the rural small and micro enterprises. Innovation of rural financial products and services. Based on the analysis of the current situation of Bengbu Rural Commercial Bank supporting the development of rural economy, this paper summarizes the problems existing in the process of supporting agriculture development of Bengbu Rural Commercial Bank, and analyzes the reasons. The main problems include the competition of rural financial market in Bengbu, which makes the financial institutions supporting agriculture and supporting agriculture increase in the rural market, and brings great challenges and development opportunities. In the work of supporting agriculture, there are many uncertain causes that will increase the risk of loans. At present, Bengbu Agricultural Company lacks innovation, such as technology, business, products and other innovation capabilities are very low, urgent need to be solved. On the basis of previous analysis and induction, this paper puts forward some countermeasures to the problems of Bengbu Rural Commercial Bank in the development of supporting agriculture. The countermeasures are put forward from the aspects of their own advantages, market orientation, strengthening the construction of talent team and so on. It is suggested that Bengbu Agricultural and Commercial Bank should integrate its own region, resources and other advantages, strengthen the construction of staff echelons, so as to enhance the core force of its own competition. Improve the credit system construction of the service object, make greater contribution in supporting agriculture service, at the same time, look for the development point that is advantageous to oneself at the same time.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
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