基于农户需求的泰安市农村商业银行发展研究

发布时间：2018-04-21 07:21

本文选题：泰安市 + 农村商业银行　；参考：《山东农业大学》2017年硕士论文

【摘要】：泰安市农村经济的发展是解决泰安市“三农”问题、促进其经济健康发展的重要保证,农村商业银行是农村主要的正规金融机构,是影响农村经济发展的重要金融因素,但是泰安市农村商业银行在发展的历程中仍存在着一些问题,制约着其金融主力军作用的发挥。本文以金融发展理论、供给需求理论和农民经济行为理论为基础,利用具有代表性的调查数据以及国内外的农村合作金融或农村商业银行历史进程发展中的一些有价值的先进经验,以规范分析和实证分析的方法对泰安市农村商业银行发展中存在的问题做细致全面的研究。比较分析泰安市农村商业银行发展中存在的问题。实证分析评价了泰安市农村商业银行的改革绩效,以及对泰安市农村经济发展的贡献率。规范分析了泰安市农村商业银行的产权特点及法人治理结构的现状、不足及其成因。最后提出解决泰安市农村商业银行可持续发展的对策建议。农村商业银行发展的主要目的是实现自身的可持续性发展和为农村经济的发展提供重要的金融保证。本研究通过对泰安市农户抽样调查和典型调查,系统分析农村商业银行对农户金融需求的满足程度,以及农村商业银行对农村金融的供给能力,试图分析农村商业银行在何种程度上支持农村经济发展。本文在金融发展理论农民经济相关理论的基础上,借鉴省内外农村金融改革的成功经验,并运用定性分析与定量分析的方法来分析泰安市农村商业银行金融发展的缺陷及形成原因,并在此基础上提出改进监管模式、防止农村资金流出农村、准确定位县域金融机构、健全农村金融体制等有针对性的对策。本文在论述泰安市农村商业银行金融发展中存在的不足的基础上,着重探讨了农村金融服务和金融产品缺乏等方面的问题,提出针对性的措施,对改善泰安市农村商业银行金融发展具有借鉴意义。
[Abstract]:The development of rural economy in Tai'an City is an important guarantee to solve the problem of "agriculture, countryside and farmers" and to promote the healthy development of its economy. The rural commercial banks are the main formal financial institutions in rural areas and the important financial factors that affect the development of rural economy. However, there are still some problems in the development of Taian Rural Commercial Bank, which restrict the exertion of its main financial force. This paper is based on the theory of financial development, the theory of supply and demand and the theory of farmers' economic behavior. Using representative survey data and some valuable and advanced experience in the development of rural cooperative finance or rural commercial banks at home and abroad, This paper makes a detailed and comprehensive study on the problems existing in the development of Taian Rural Commercial Bank by means of normative analysis and empirical analysis. The problems existing in the development of rural commercial banks in Tai'an City are compared and analyzed. This paper analyzes and evaluates the reform performance of Taian Rural Commercial Bank and its contribution to the rural economic development of Tai'an City. This paper analyzes the characteristics of property rights of rural commercial banks in Taian City and the present situation of corporate governance structure, deficiency and its causes. Finally, the countermeasures and suggestions to solve the sustainable development of Taian Rural Commercial Bank are put forward. The main purpose of the development of rural commercial banks is to realize their own sustainable development and to provide important financial guarantee for the development of rural economy. Based on the sample survey and typical survey of rural households in Tai'an City, this study systematically analyzes the degree of rural commercial banks' satisfaction with farmers' financial needs, and the supply capacity of rural commercial banks to rural finance. This paper attempts to analyze the extent to which rural commercial banks support rural economic development. Based on the theory of financial development, this paper draws lessons from the successful experiences of rural financial reform in and outside the province. The qualitative analysis and quantitative analysis are used to analyze the defects and causes of the financial development of Taian Rural Commercial Bank. On the basis of this, the author proposes to improve the supervision mode, prevent the rural capital from flowing out of the countryside, and accurately locate the county financial institutions. Improve the rural financial system and other targeted countermeasures. On the basis of discussing the deficiency in the financial development of Taian Rural Commercial Bank, this paper focuses on the problems of the lack of rural financial services and financial products, and puts forward some targeted measures. To improve the Taian City rural commercial bank financial development has reference significance.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F274

【参考文献】