吉林省村镇银行发展问题研究

发布时间：2018-10-08 15:58

【摘要】：村镇银行是一种新型的金融机构,是政府相关部门为了实现扩大金融机构的作用和功能、更好的服务“三农”、推动农村金融市场体系改革、扩大中小企业筹集资源来源渠道等目标在农村地区设立的银行金融机构,对农村经济发展与农村金融市场的稳定起着至关重要的作用。吉林省发展村镇银行顺应经济发展规律,发展村镇银行对于扩大资金融资渠道,降低中小企业和农民贷款门槛,整合农村金融市场,构建良好的农村金融体制具有重要的意义。特别是在中央一号文件等国家宏观政策的指导下,有助于满足农民对金融产品和服务的多样化需求,推动县域经济发展,而且随着吉林省“十三五”规划编制工作的展开,对于金融领域的期望和目标有个更高的要求。因此,研究吉林省村镇银行发展问题十分必要。本文关于吉林省村镇银行发展问题研究的主要内容包括以下方面:第一部分,引言,主要介绍本研究的写作背景、研究目的意义、研究的主要内容、研究方法及创新点,并在查阅国内外大量文献的基础上对村镇银行发展问题进行了综述。第二部分,村镇银行的相关概念及理论基础,主要阐述村镇银行的定义,综述村镇银行相关理论,具体包括农村金融理论、金融可持续发展理论、金融共生理论。第三部分,吉林省村镇银行的发展现状及特点、存在的主要问题及原因。第四部分,国外农村金融的发展的经验借鉴及启示。第五部分,关于促进吉林省村镇银行健康发展的对策建议。通过对吉林省村镇银行发展现状、特点分析及存在问题的研究基础上,主要从吉林省村镇银行的定位、优化产业机构、融资渠道、业务创新、人力管理和风险监督管理六个方面进行研究,并对全文进行结论总结,得出论文结论。
[Abstract]:The village bank is a new type of financial institution. In order to expand the role and function of the financial institutions, the government departments concerned can better serve the "three rural areas, farmers" and promote the reform of the rural financial market system. It is very important for the development of rural economy and the stability of the rural financial market to expand the financial institutions set up in rural areas with the aim of raising resources for small and medium-sized enterprises. The development of village banks in Jilin Province conforms to the law of economic development, and the development of village banks is of great significance for expanding the financing channels of funds, lowering the threshold of loans for small and medium-sized enterprises and farmers, integrating the rural financial markets, and constructing a good rural financial system. In particular, under the guidance of the national macro policies such as the No. 1 document of the Central Committee, it will help to meet the diversified needs of farmers for financial products and services, and promote the development of the county economy. Moreover, with the development of the 13th Five-Year Plan of Jilin Province, There is a higher demand for expectations and goals in the financial sector. Therefore, it is necessary to study the development of village banks in Jilin province. The main contents of this paper include the following aspects: the first part, the introduction, mainly introduces the writing background of this study, the significance of the research purpose, the main content of the study, the research methods and innovation points. On the basis of consulting a lot of literature at home and abroad, this paper summarizes the development of village banks. The second part, the related concepts and theoretical basis of village bank, mainly expounds the definition of village bank, summarizes the relevant theories of village bank, including the theory of rural finance, the theory of financial sustainable development, the theory of financial symbiosis. The third part, the development status and characteristics of Jilin Village Bank, the main problems and reasons. The fourth part, the experience and enlightenment of the development of foreign rural finance. The fifth part, about promoting Jilin Province village town bank healthy development countermeasure suggestion. Based on the analysis of the present situation, characteristics and existing problems of the village bank in Jilin Province, this paper mainly focuses on the orientation of the village bank in Jilin Province, the optimization of the industrial organization, the financing channel, and the innovation of the business. Six aspects of human management and risk management are studied, and the conclusion of the paper is concluded.
【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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