本富村镇银行发展战略研究

发布时间：2019-01-02 08:49

【摘要】：目前,我国大部分县城、乡镇等农村地区存在金融机构少、营业网点少和信贷资金缺乏的问题,广大县域金融市场完全被农合机构垄断。随着国家金融主管部门出台的相关政策的指导和支持下,村镇银行这一特定时期、特定环境下崭新的金融模式应运而生,并逐步走近县域农村金融市场。村镇银行作为一个新型农村金融机构,它的出现有效缓解了农村金融需求得不到满足和金融供给不足的问题。并且经过几年的发展,对农村经济的发展起到了一定的支持作用。伴随我国农业经济的稳健前行和农村金融行业的不断进步,村镇银行在县域经济中的起到越来越重要的作用。本富银行就是在这样的背景下,由龙江银行发起设立的,在实践中来看,既有优势又有不足。那么深入探讨本富银行如何在经营过程中解决实际问题,实现可持续发展,具有战略意义。本文以本富村镇银行有限责任公司(以下简称：本富银行)发展战略作为研究内容,运用了科学的现代战略管理理论,以科学发展的观点,采用PEST分析、波特五力分析、SWOT分析等科学分析方法为手段,通过列举本富银行的发展现状并总结出经营实践过程中存在的问题,着力分析了本富银行所处的内外部环境以及优势、劣势、机会和威胁等,并对经营发展过程中的难点进行了分析,深度总结了四种发展战略模式,即SO模式、WO模式、ST模式、WT模式,并列出矩阵图,根据四种模式一一总结出对应的策略。最终先择了以SO为主要方向的发展战略。对本富银行的持续发展方向提供了科学的指导意义,结果极具说服力和可行性。为了保证发展战略的顺利实施,本文还制定了一系列的保障措施,包括明确市场定位、强化内部管理、加强风险控制、实施金融创新、吸引战略投资、争取股东本土化等。这一系列保障措施的实施,将会为本富银行发展战略的实现起到推动作用。
[Abstract]:At present, there are some problems in most counties, towns and villages in our country, such as few financial institutions, few business outlets and lack of credit funds. The majority of county financial markets are monopolized by agricultural cooperative agencies. With the guidance and support of the relevant policies issued by the national financial authorities, the village banks emerged as the times require under the specific environment, and gradually approached the county rural financial market. As a new type of rural financial institution, village bank has effectively alleviated the problems of unsatisfied rural financial demand and insufficient financial supply. And after several years of development, the development of rural economy has played a certain role in support. With the steady advance of agricultural economy and the continuous progress of rural financial industry, village banks play a more and more important role in the county economy. Benfu Bank was set up by Longjiang Bank against this background. In practice, it has both advantages and disadvantages. It is of strategic significance to discuss how Benfu Bank can solve practical problems and realize sustainable development. This paper takes the development strategy of Benfu Town Bank Co., Ltd. (hereinafter referred to as Benfu Bank) as the research content, applies the scientific modern strategic management theory, uses the scientific development viewpoint, adopts the PEST analysis, the Porter five strength analysis, SWOT analysis and other scientific analysis methods as means, by enumerating the development status of Benfu Bank and summing up the existing problems in the process of business practice, focusing on the analysis of the internal and external environment, strengths, weaknesses, opportunities and threats, etc. The paper also analyzes the difficulties in the process of business development, and summarizes in depth four development strategy models, namely, SO mode, WO mode, ST mode and WT mode, and lists the matrix diagram and summarizes the corresponding strategies one by one according to the four modes. Finally, the first choice to SO as the main direction of the development strategy. It provides scientific guidance for the sustainable development direction of Benfu Bank, and the results are very convincing and feasible. In order to ensure the smooth implementation of the development strategy, this paper also formulated a series of safeguard measures, including clear market positioning, strengthen internal management, strengthen risk control, implement financial innovation, attract strategic investment, and strive for the localization of shareholders, and so on. The implementation of this series of safeguards will play a role in promoting the development strategy of Benfu Bank.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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