荣成市农村信用社发展现状及对策研究

发布时间：2018-08-26 13:27

【摘要】：金融是经济发展的血液,农村金融是农村经济的命脉,大力发展农村金融对农村经济发展以及农业产业化具有积极的推进作用。荣成市农村信用社在增加农民收入、推动县域经济发展方面发挥着积极作用,它的良性运转对于荣成市县域经济的健康发展有着重要意义。当前关于基层农村信用社的研究成果相对匮乏,论文基于合作经济理论及金融抑制和金融深化理论,采用文献法搜集相关文献资料,结合实地调研,系统回顾了山东省荣成市农村信用社的发展历程,阐述其发展现状,深入分析其发展中存在的问题,进而吸收、借鉴已有的研究成果,有针对性地提出了促进荣成市农村信用社发展的对策建议。首先,阐述了荣成市农村信用社的发展现状。以荣成市县域经济发展情况为背景,在阐述荣成市农村信用社发展历程的基础上,从人员结构、机构设置、资产管理、业务规模、企业文化等方面分析了荣成市农村信用社的发展现状。其次,系统分析了荣成市农村信用社发展中存在的主要问题。荣成市农村信用社作为支农性银行,对荣成市农村经济的发展起到了积极的推进作用,但是在快速发展过程中很多问题也显现了出来。主要包括:产权不明,员工积极性较低;资金来源渠道单一,支农力度弱;创新不足,服务项目单一;内部管控不足,经营风险较大;员工知识水平较低,发展后劲不足。最后,基于荣成市农村信用社发展实际,借鉴已有的研究成果,有针对性地提出了对策建议:坚定发展思路,明确功能定位;明晰产权结构,优化资源配置;健全内部管理控制机制,调整人员结构;完善相关法规,加强政府扶持力度;创新农村金融产品,拓展资金来源渠道。
[Abstract]:Finance is the blood of economic development, rural finance is the lifeblood of rural economy, and vigorously developing rural finance plays a positive role in promoting rural economic development and agricultural industrialization. Rongcheng Rural Credit Cooperative plays an active role in increasing farmers' income and promoting the development of county economy. Its benign operation is of great significance to the healthy development of county economy in Rongcheng City. At present, the research results of rural credit cooperatives at the grass-roots level are relatively scarce. Based on the theory of cooperative economy, financial repression and financial deepening theory, the paper adopts the literature method to collect relevant literature materials, combined with field research. This paper systematically reviews the development course of rural credit cooperatives in Rongcheng City, Shandong Province, expounds the present situation of their development, deeply analyzes the problems existing in their development, and then absorbs and draws lessons from the existing research results. The countermeasures and suggestions to promote the development of RCCs in Rongcheng City are put forward. First of all, elaborated Rongcheng City rural credit cooperative's development present situation. Based on the development of county economy in Rongcheng City, and on the basis of expounding the course of development of RCCs in Rongcheng City, this paper discusses the personnel structure, institutional setup, asset management, business scale, etc. Enterprise culture and other aspects of the analysis of Rongcheng City rural credit cooperatives development. Secondly, the main problems in the development of Rongcheng Rural Credit Cooperatives are analyzed systematically. As an agricultural bank, Rongcheng Rural Credit Cooperative has played a positive role in promoting the development of rural economy in Rongcheng City, but in the process of rapid development, many problems have also emerged. Mainly include: unclear property rights, low enthusiasm of employees; single source of funds, weak support for agriculture; insufficient innovation, single service items; insufficient internal control, greater operational risk; low level of staff knowledge, lack of development stamina. Finally, based on the development practice of Rongcheng Rural Credit Cooperatives and using the existing research results for reference, the paper puts forward countermeasures and suggestions: firmly developing ideas, defining function orientation, clarifying property right structure and optimizing resource allocation; Improve internal management and control mechanism, adjust personnel structure; improve relevant laws and regulations, strengthen government support; innovate rural financial products, expand funding sources.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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