农业发展银行泰安市分行发展战略研究

发布时间：2018-06-04 22:42

本文选题：发展战略 + 三农服务　；参考：《西南交通大学》2017年硕士论文

【摘要】：2015年4月,国务院批复同意中国农业发展银行(简称农发行)改革实施总体方案,表明我国农业政策性银行开始向走向改革方向。农业发展银行泰安市分行下设新泰市、肥城市、宁阳县、东平县4个支行、1个营业部,在岗员工164人。本文旨在大改革背景下,研究农业发展银行泰安市分行的发展战略,为农业发展银行泰安市分行的未来发展,提供一定的指导建议;同时,也为其他地级市农业政策性银行的发展,提供一定的参考借鉴。通过研究,本文发现,农业发展银行泰安市分行所面临的机会有:国家日益重视三农问题,三农金融随之面临巨大发展机遇;主营业务竞争压力小。农业发展银行泰安市分行所面临的风险有:政策环境不完善,监管政策随时变化;农业发展银行整体改革带来的不确定性。农业发展银行泰安市分行所具备的优势有:政策性银行受到市场竞争较小;受到毕业学生青睐。农业发展银行泰安市分行的自身劣势是:信贷业务存在一定风险;内部管控较为松散;员工差距较大。而后文章对农业发展银行泰安市分行进行了战略选择,并制定出了 "继续巩固并积极拓展农业政策性业务、稳健开展自营性信贷业务、提高风险防范意识,构建长效风险防范机制、积极开展信贷资产的证券化业务、大力支持农业农村公共产品供给、强化综合性金融服务"具体的战略实施措施以及相关战略保障措施。
[Abstract]:In April 2015, the State Council approved the implementation of the overall plan for the reform of the Agricultural Development Bank of China (Agricultural Development Bank), indicating that China's agricultural policy banks are beginning to move towards reform. Agricultural Development Bank Taian City Branch under Xintai City, Feicheng City, Ningyang County, Dongping County 4 branches, 1 business department, 164 employees in the post. The purpose of this paper is to study the development strategy of Tai'an Branch of Agricultural Development Bank under the background of great reform, to provide some guidance and suggestions for the future development of Tai'an City Branch of Agricultural Development Bank, at the same time, It also provides some reference for the development of agricultural policy banks in other prefectural cities. Through the research, this paper finds that the opportunities faced by Tai'an Branch of Agricultural Development Bank are: the country pays more and more attention to the issue of agriculture, rural areas and farmers, and the agriculture, rural areas and finance are faced with great opportunities for development, and the competition pressure of the main business is low. The risks faced by the branch of Agricultural Development Bank Tai'an City are as follows: the policy environment is not perfect, the supervision policy changes at any time, and the uncertainty brought about by the overall reform of the Agricultural Development Bank. The advantages of Taian Branch of Agricultural Development Bank are as follows: policy banks are less competitive in the market; they are favored by graduates. The disadvantages of Tai'an Branch of Agricultural Development Bank are that there are certain risks in credit business, internal control is relatively loose, and the employee gap is large. Then the paper makes a strategic choice to Tai'an Branch of Agricultural Development Bank, and formulates "continue to consolidate and actively expand agricultural policy business, steadily develop self-supporting credit business, and raise awareness of risk prevention." We should construct a long-term risk prevention mechanism, actively carry out the securitization business of credit assets, vigorously support the supply of agricultural rural public goods, and strengthen the comprehensive financial services.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.31

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