山东村镇银行发展现状分析及发展模式探讨

发布时间：2019-01-22 12:26

【摘要】：随着国家经济飞速发展,在国家实行供给侧结构性改革背景下,我国村镇银行作为农村地区的新型金融机构,对促进农村地区金融市场改革创新,提升农村资金供给,满足农户对多元化金融服务的需求发挥着不可替代的作用。但是由于我国村镇银行的发展起步较晚,发展时间较短,管理理念不成熟,加上长期以来农业生产固有的高风险、低收益等特点,导致金融服务严重滞后于"三农"发展需要,在发展过程中各种问题逐渐暴露。如何解决村镇银行面临的各种瓶颈问题和难题,如何使村镇银行实现稳定健康的可持续发展,已成为我国农村金融市场改革的一项重要任务。在国家政策的支持和引导下,山东省村镇银行的发展迎来了新的发展机遇和挑战。本文主要立足于山东省村镇银行的现状,从山东村镇银行的商业模式、运营管理现状等方面进行分析,探寻山东省村镇银行发展的特点与面临的问题。通过借鉴国外相似案例的先进经验,提炼具有实地可操作性的做法。通过实地调研山东龙口国开南山村镇银行、山东寿光村镇银行和青岛胶南海汇村镇银行三家在山东具有代表性村镇银行的业务发展模式,总结其发展的成功做法。最后对山东村镇银行的未来发展提出自己独特的建议,即因地制宜量体裁衣,在鼓励村镇银行发展特色产品的同时灵活制定适用于村镇银行的监管体系;通过大数据等平台加强农村信用体系建设,变被动监管为主动接受,可以有效解决村镇银行发展面临的信用风险;发起行主动担当,勇于作为,为村镇银行发展提供坚强后盾;在此基础上,村镇银行可以研发特色产品加大灵活性等。以此为山东村镇银行的发展提供一点具有可参考意义的建议。通过研究本文得出如下结论:在对村镇银行的现状与问题的研究中发现,村镇银行的整体发展态势较好,农村地区对金融服务的需求不断增加,村镇银行经营方式灵活,有独特的发展优势。然而制约山东村镇银行发展的因素也较多,大的方面是经济的整体下滑、网络金融的发展使银行业面临前所未有的挑战;加上山东村镇银行自身发展弱点,村镇银行对经营中风险的防范与应对能力不足等。因此,山东省村镇银行在今后发展中应注重村镇银行的配套服务,量体裁衣制定灵活监管措施;借助大数据平台协助解决农村信用体系的建设;村镇银行在借鉴国内外经验的基础上,采取适合自身发展的措施,如:利用发起行优势协同工作共求发展;对村镇银行实行强有力的扶持政策等。本文的研究能为山东省村镇银行的更好更快发展提供有益帮助,同时也能为我国村镇银行的发展提供一些参考。
[Abstract]:With the rapid development of the national economy, under the background of the supply-side structural reform, as a new type of financial institution in rural areas, the village and town banks in our country, as a new type of financial institution, promote the reform and innovation of the financial market in rural areas and promote the supply of rural funds. To meet the needs of farmers for diversified financial services plays an irreplaceable role. However, due to the late development of village and town banks, short development time, immature management concept, and the characteristics of high risk and low income inherent in agricultural production for a long time, financial services have lagged behind the development needs of "agriculture, rural areas and farmers". In the process of development, various problems are gradually exposed. How to solve all kinds of bottleneck problems and problems faced by village banks and how to realize the stable and healthy sustainable development of village banks has become an important task of rural financial market reform in our country. With the support and guidance of the national policy, the development of Shandong Village and Town Bank has ushered in new development opportunities and challenges. Based on the current situation of Shandong Village Bank, this paper analyzes the commercial model and operation management of Shandong Village Bank, and explores the characteristics and problems of the development of Shandong Village Bank. By learning from the advanced experience of similar cases in foreign countries, we can refine the practical practice. Through field investigation of Shandong Longkou Guokai Nanshan Village Bank, Shandong Shouguang Village Bank and Qingdao Jiaonan Haihui Village Bank, three representative village banks' business development models in Shandong Province were investigated, and the successful development methods were summarized. Finally, the author puts forward his own unique suggestions for the future development of Shandong Village Bank, that is, tailoring measures according to local conditions, while encouraging village banks to develop characteristic products, flexible development of the supervision system applicable to village banks; Strengthening rural credit system construction through big data and other platforms, changing passive supervision into active acceptance, can effectively solve the credit risk faced by the development of village banks, initiate banks to take the initiative, dare to act, and provide strong backing for the development of village and town banks. On this basis, village banks can develop special products to increase flexibility and so on. In order to the development of Shandong Village Bank to provide a point of reference. Through the study of this paper, the following conclusions are drawn: in the study of the present situation and problems of village banks, it is found that the overall development situation of village banks is good, the demand for financial services in rural areas is increasing, and the management mode of village banks is flexible. Has the unique development superiority. However, there are many factors restricting the development of Shandong Village and Town Bank. The big aspect is the overall decline of economy, and the development of network finance makes the banking industry face unprecedented challenges. In addition, Shandong Village Bank's own development weakness, village bank's ability to prevent and deal with risks in operation is insufficient. Therefore, the village bank of Shandong province should pay attention to the supporting service of the village bank in the future, make flexible supervision measures according to the suit, help to solve the construction of the rural credit system with the help of big data platform; On the basis of drawing lessons from domestic and foreign experiences, village banks adopt measures suitable for their own development, such as: making use of the advantages of initiating banks to work together for development; carrying out strong support policies to village and town banks, and so on. The research in this paper can provide beneficial help for the better and faster development of Shandong Village Bank, and also provide some reference for the development of Village Bank in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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