中国邮政储蓄银行BZ分行金融扶贫业务优化研究

发布时间：2018-01-26 23:02

本文关键词： 金融扶贫 BZ分行贫困地区担保体系　出处：《广西师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：贫困是世界级的难题,也是一直困扰我国发展症结所在,而金融扶贫是世界各国解决贫困问题的有力武器。与财政扶贫不同,金融扶贫更多的关注有发展意愿的、有生产能力的贫困群体,党中央高度重视三农工作,各项发展改革政策陆续出台,大量资源向农业倾斜。农村土地制度改革稳妥推进,农业现代化加速发展,新型农业经营主体不断涌现,三农金融业务迎来新的发展机遇。中国邮政储蓄银行BZ分行小额贷款转型升级也初见成效,产品创新和要素调整,有效地提升了支农小额贷款的市场竞争力,金融扶贫服务范围也逐步扩大,实现了由农户向新型农业经营主体的转变,但是随着利率市场化、同业竞争的加剧,BZ分行面临着严峻的外在环境。本文对BZ分行金融扶贫业务进行了研究,通过对BZ分行金融扶贫业务现状以及存在的问题进行分析,然后对当前金融扶贫业务体系进行优化,并最终提出实施措施。本文主要有六个部分。(1)首先对当前金融扶贫背景和意义进行了分析,对国内外现状进行梳理,并且结合研究对象和内容提出研究方法和研究思路。(2)对金融扶贫相关理论进行了梳理,分别从金融扶贫理论、农业信贷补贴理论、农村金融市场理论三个方面进行分析,为后续的研究奠定理论基础。(3)通过调研访谈等形式对当前BZ分行金融扶贫业务的现状以及存在的问题进行分析。(4)通过对BZ分行的内外部环境的分析,利用SWOT分析BZ分行的金融扶贫业务优势、劣势、机会、威胁进行分析,得出当前BZ分行面临的环境。(5)针对当前存在的问题以及国家战略,对当前BZ分行金融扶贫业务体系进行优化,分别从扶贫资金、金融扶贫产品、金融扶贫担保体系、金融扶贫管理等方面进行优化。(6)针对金融扶贫体系建立金融扶贫实施措施,保障金融扶贫体系的顺利实施。(7)结论,对研究进行总结与展望。本文所进行的金融扶贫理论和实践的探索和研究,对于我国农村金融扶贫整体管理水平的提升和农村金融扶贫的规范化发展有着重要的现实意义和理论价值。
[Abstract]:Poverty is not only a world-class problem, but also the crux of our country's development. Financial poverty alleviation is a powerful weapon to solve the poverty problem in the world, which is different from financial poverty alleviation. The Party Central Committee attaches great importance to the work of agriculture, rural areas and farmers, and various development and reform policies have been introduced one after another. A large number of resources are tilted to agriculture. The reform of rural land system has been advanced steadily, agricultural modernization has been accelerated, and new agricultural management bodies have been emerging. The transformation and upgrading of small loans in BZ branch of China Postal savings Bank has also achieved initial results. Product innovation and factor adjustment have effectively enhanced the market competitiveness of agricultural microfinance. The scope of financial poverty alleviation services has been gradually expanded to realize the transformation from farmers to new agricultural management subjects, but with the marketization of interest rates, the competition between the same industry intensified. BZ branch is facing a severe external environment. This paper studies the financial poverty alleviation business of BZ branch, and analyzes the current situation and existing problems of financial poverty alleviation business in BZ branch. Then optimize the current financial poverty alleviation business system, and finally put forward the implementation measures. This paper mainly has six parts. 1) first of all, the background and significance of the current financial poverty alleviation are analyzed. Combing the current situation at home and abroad, and combining the research object and content to put forward the research methods and research ideas. (2) combing the relevant theories of financial poverty alleviation, respectively from the theory of financial poverty alleviation. The agricultural credit subsidy theory and the rural financial market theory are analyzed in three aspects. To lay a theoretical foundation for the follow-up study. (3) by means of investigation and interview, this paper analyzes the current situation and existing problems of financial poverty alleviation business in BZ Branch. Through the analysis of the internal and external environment of BZ branch. Using SWOT to analyze the advantages, disadvantages, opportunities and threats of the financial poverty alleviation business of BZ branch, the paper draws the conclusion that the current BZ branch is faced with the environment. 5) aiming at the current problems and national strategy. The current BZ branch financial poverty alleviation business system optimization, respectively from poverty alleviation funds, financial poverty alleviation products, financial poverty alleviation guarantee system. Financial poverty alleviation management and other aspects to optimize the financial poverty alleviation system to establish financial poverty alleviation measures to ensure the smooth implementation of the financial poverty alleviation system. Summary and prospect of the research. This paper explores and studies the theory and practice of financial poverty alleviation. It has important practical significance and theoretical value for the improvement of the overall management level of rural financial poverty alleviation and the standardized development of rural financial poverty alleviation.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33

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