HH村镇银行挂牌新三板设计思路与问题研究

发布时间：2018-01-22 09:34

本文关键词： 新三板风险控制盈利能力　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：HH村镇银行成立于2012年12月,是全国第9家地市级村镇银行。这种村镇银行的模式是在城市吸收存款,在县级以下发放贷款。这是银监会为探索新型农村金融机构管理和发展的新模式,通过总分行制把吸收的存款反哺农村。HH村镇银行成立五年,信贷资产布局稳健均衡,已经在当地铺设十四个网点,实现三级全覆盖。发展的同时也面临着各种挑战,尤其是利润增速普遍下滑、资产质量恶化等问题,已成为银行业不可避免的趋势。增加融资渠道,提高融资效率,提升自己的市场价值和品牌认知度在这个阶段尤为重要。对于中小金融机构而言,挂牌新三板无论是从公司股权结构,还是法人治理结构以及财务制度的整合,都要同步解决风险管理、盈利能力、内部职工持股等问题,这些都需要综合的设计。本文首先将结合HH村镇银行拟挂牌新三板的选题背景和意义,根据研究背景及意义中阐述的内容,从而确定研究目的,简单阐述挂牌新三板的相关理论基础与内涵。其次,本文结合HH村镇银行实际案例,以及新三板市场更加注重企业的治理结构、发展潜力等软指标,深度剖析HH村镇银行所处环境的外部因素和内部因素。本文将用SWOT方法进行分析HH村镇银行上市的可行性。并用CAMEL体系分析框架,从资本充足性(Capital Adequacy),资产质量(Asset Quality),管理水平(Management),盈利状况(Earnings),流动性(Liquidity)的角度阐述在银行业激烈竞争环境下,在中国新一轮金融改革的步伐明显已经开始并提速的氛围下,定性与定量分析HH村镇银行挂牌新三板的发展趋势及可行性,来进一步阐明本文的论,提出HH村镇银行的上市设计方案。
[Abstract]:HH Village Bank, founded in December 2012, is the ninth prefecture-level village bank in the country. This is the CBRC to explore the new rural financial institutions management and development of a new model, through the main branch system to absorb deposits back to feed rural. HH village banks for five years. The distribution of credit assets is stable and balanced, and 14 local outlets have been laid to achieve three levels of full coverage. At the same time, the development is also facing various challenges, especially the general decline in profit growth rate, deterioration of asset quality and other issues. Has become the inevitable trend of banking. Increase financing channels, improve financing efficiency, improve their own market value and brand recognition is particularly important at this stage. For small and medium-sized financial institutions. Listing the new three boards, whether from the company's equity structure, or corporate governance structure and the integration of financial systems, we must simultaneously solve the risk management, profitability, internal employee ownership and other issues. All of these need comprehensive design. Firstly, this paper will combine with the background and significance of HH Village Bank to list the new third board, according to the research background and significance of the content elaborated in order to determine the purpose of the study. This paper briefly describes the theoretical basis and connotation of listing the new third board. Secondly, this paper combined with the actual case of HH village bank, as well as the new third board market pay more attention to corporate governance structure, development potential and other soft indicators. This paper analyzes the external and internal factors of HH village bank environment in depth. This paper will use SWOT method to analyze the feasibility of HH village bank listing, and use the CAMEL system analysis framework. From Capital adequacy to Capital Adequacyr, Asset quality, Management level. Profit situation is discussed from the point of view of Earningsiness (liquidity) in the context of fierce competition in the banking industry. In the new round of financial reform in China has obviously begun and accelerated atmosphere, qualitative and quantitative analysis of HH village bank listing new third board development trend and feasibility, to further clarify the theory of this paper. The listing design of HH Village Bank is put forward.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F832.51

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