农行云南省分行“三农”金融支持研究

发布时间：2018-01-07 11:15

本文关键词：农行云南省分行“三农”金融支持研究　出处：《云南大学》2015年硕士论文　论文类型：学位论文

【摘要】：“三农”问题是我国推进社会主义现代化进程中面临的重点和难点所在,从中央到地方都高度重视“三农”问题。解决“三农”问题需要金融支持,但现状是我国农村金融服务仍然落后。作为农村金融服务的主要参与者和主导力量,农业银行股改上市后,将面向“三农”作为自己的战略定位,重塑组织架构、探索服务模式、创新产品体系,优化信贷流程,充分发挥资金、人才、网点、网络等优势,做好“三农”金融服务。本文选取农行云南省分行(以下简称云南农行)为样本,一方面从农业银行主体层面,通过分析研究云南农行服务“三农”的具体实践,归纳总结服务“三农”已经取得的成效,坚定发展信心,同时通过分析整个农村金融体系在“三农”服务中存在的问题,以及农行目前遇到的瓶颈和面临的困境,揭示农业银行在服务“三农”各层面存在问题的主客观原因,进而指出农业银行服务“三农”的发展前景和方向,对服务模式、服务对象、服务区域等提出了明确的对策建议；另一方面从政府管理层面,运用公共管理学和经济学的相关理论,通过对农业银行服务“三农”外部监管环境和激励机制的分析,提出政府对农业银行服务“三农”的金融支持政策建议。本文从五个方面展开讨论：第一部分总体概述研究背景,相关文献资料综述、论文中涉及的基本概念、研究的思路和方法等；第二部分阐述农业银行立足县域、服务“三农”的理论基础,主要包括新公共服务理论、区域协调发展理论、垂直合作型农村金融体系理论等；第三部分阐述云南农行服务“三农”金融支持采取的措施,着重分析当前进一步发展面临的困境与现状；第四部分选取云南农行服务三农的典型事例,分析农业银行如何围绕服务“三农”目标,进行服务模式、产品体系、流程设计等创新的探索；第五部分从上述分析探讨中得出本研究的基本结论,以及深化服务“三农”金融支持工作的具体建议,包括找准服务切入点、确定信贷业务的扶持对象、增强资源配置力度、完善激励考核政策、落实和完善信贷政策、持续扶持“三大”重点工程等。
[Abstract]:The "three rural issues" is the key point and the difficulty faced in the process of our socialist modernization, from the central to local governments have attached great importance to the "three rural issues". To solve the "three rural" issues need financial support, but the current status of China's rural financial services is still lagging behind. As the main participants and the leading force of rural financial services, stock listing Agricultural Bank of China, for the "three rural" as their strategic positioning, reshape organizational structure, explore the service model, product innovation system, optimize the credit process, give full play to the capital, talent, network, network and other advantages, make "rural financial services.
This paper selects Yunnan branch of Agricultural Bank of China (hereinafter referred to as the Yunnan bank) as the sample, on the one hand from the Agricultural Bank of the main level, through the concrete practice of Yunnan agricultural service "three agriculture", summed up the "three rural" service achievements, strengthen the development of confidence, at the same time, through the analysis of the existing in the "three rural" in the rural financial services the system is currently experiencing problems and bottlenecks and difficulties faced by the Agricultural Bank of China, reveals the existing problems in the "three rural" at all levels of the Agricultural Bank of the subjective and objective reasons, development prospects and direction and it is pointed out that the agricultural bank service "three rural" service, the service mode, service object, region and put forward countermeasures and suggestions to clear; from the government management level on the other hand, using the related theories of public management and economics, the Agricultural Bank of "three rural" external supervision and incentive environment The analysis of the mechanism put forward the government's financial support policy suggestions on agricultural bank service "three rural".
This paper from five aspects: the first part is a general overview of the research background, literature review, basic concepts involved in this thesis, research ideas and methods; the second part is based on the County Agricultural Bank, the theoretical basis of "Three Nong" service, mainly including the new public service theory, regional development theory, vertical cooperative rural financial system theory; the third part of the Agricultural Bank of China Yunnan branch service "measures of rural financial support, focus on the analysis of the current situation facing the dilemma and further development; typical examples of the fourth part of the selection of Yunnan Agricultural Bank of China rural services, analysis of agricultural bank how to focus on the" three rural "service targets, service model, product system, exploration process design and innovation; the fifth part from the analysis of the basic conclusion of this study to explore, and deepen the service" three agriculture The specific suggestions for financial support include finding the right service pointcuts, defining the supporting objects of credit business, strengthening the allocation of resources, improving the incentive assessment policy, implementing and improving the credit policy, and supporting the "three major" projects.

【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F327

【共引文献】