中国农业发展银行吉林省分行信贷文化培育研究
发布时间：2018-12-06 18:30
【摘要】：随着我国经济政治改革进程的加快，我国金融体制也进入到变革的大潮之中。银行业作为金融业的根基，能否健康发展决定了我国金融市场乃至经济的发展形势。银行业务中最古老最根本的是信贷业务，信贷业务所衍生出来的信贷文化也就成了当今经济形势下展示一家银行命运的风向标。 当今社会，文化管理已成为最先进的管理，对一个企业来讲，文化是企业的软实力，对引领企业发展方向，凝聚奋斗力量，发挥着不可替代的重要作用，是企业的生存之根、发展之魂、活力之源。 国有商业银行成立较早，经过多年的探索，已经积累了一定的信贷文化经验，有较清晰的层次，并在不同的社会发展阶段表现出不同的侧重点，已经形成了管理层和全体信贷人员共同遵守的信贷理念、信贷原则、管理制度、行为规范。 中国农业发展银行作为我国唯一一家农业政策性银行，其信贷文化既具有一般商业银行的共同性，又具有政策性银行的特殊性。农发行作为政策性银行有其特殊的产生原因和发展历程，对国家宏观经济的发展也起着特殊的作用。结合我国社会主义中国化的特定历史背景，，以及作为社会主义初级阶段需要实行具有中国特色的社会主义的客观实际，对农发行的信贷文化进行研究有重要的现实意义。 本文以中国农业发展银行吉林省分行为研究对象，对信贷文化的培育进行了深入的研究，在对中国农业发展银行吉林省分行信贷文化的现状以及存在的问题进行分析的基础上，提出了信贷文化培育的相关措施。 本文主要分为四章： 第1章，首先介绍了对中国农业发展银行吉林省分行信贷文化进行研究的背景，其次概述了研究的目的与意义，最后说明了本文研究的主要内容。 第2章,在对信贷文化的内涵、层次及影响因素进行分析的基础上，介绍了商业银行信贷文化发展历程。 第3章，首先简析了农发行信贷文化的发展历程和特点，其次在对中国农业发展银行吉林省分行信贷文化的发展现状以及存在的问题进行了深入研究的基础上，对其存在问题的原因进行了剖析。 第4章，从信贷文化意识、信贷文化的基本原则、着力点与构建机制四个方面对中国农业发展银行吉林省分行信贷文化的培育进行了详细说明。 总之，本文从银行信贷文化的共同性和作为政策性银行的特殊性两个方面对农发行的信贷文化进行了分析。主要侧重于对于信贷文化的建设和完善方面的研究，一方面要看到其无法取代的作用和特殊意义，另一方面也要根据市场的进步和金融深化的发展进行一定程度上的优化。努力找到阻碍农发行信贷文化带动下的信贷体系发展的桎梏，并通过借鉴商业银行成熟的信贷文化模型的先进经验，取其精粹去其糟粕，为农发行信贷文化的进一步完善做出贡献。
[Abstract]:With the acceleration of economic and political reform, China's financial system has entered the tide of change. As the foundation of the financial industry, whether the banking industry can develop healthily or not determines the development situation of our country's financial market and economy. The oldest and most fundamental bank business is the credit business, and the credit culture derived from the credit business has become the vane of showing the fate of a bank under the current economic situation. In today's society, cultural management has become the most advanced management. For an enterprise, culture is the soft power of the enterprise, plays an irreplaceable role in guiding the development direction of the enterprise, and plays an irreplaceable role in the survival of the enterprise. The soul of development, the source of vitality. The state-owned commercial banks were established earlier, after many years of exploration, they have accumulated certain credit cultural experience, have a clear level, and show different emphases in different stages of social development. It has formed the credit concept, credit principle, management system and behavior standard that the management and all credit personnel abide by. Agricultural Development Bank of China is the only agricultural policy bank in China. Its credit culture has the commonality of general commercial bank and the particularity of policy bank. As a policy bank, Agricultural Development Bank has its special cause and development course, and also plays a special role in the development of national macro economy. Combined with the specific historical background of China's socialism in China and the objective reality of socialism with Chinese characteristics in the primary stage of socialism, it is of great practical significance to study the credit culture of Agricultural Development Bank of China. This paper takes the Jilin Branch of the Agricultural Development Bank of China as the research object, has carried on the thorough research to the credit culture cultivation, has carried on the analysis to the present situation and the existing question of the credit culture of the Jilin Branch of the Agricultural Development Bank of China. Put forward the relevant measures of cultivating credit culture. This paper is divided into four chapters: chapter 1 introduces the background of the research on the credit culture of Jilin Branch of the Agricultural Development Bank of China, then summarizes the purpose and significance of the study, and finally explains the main content of this study. Chapter 2, on the basis of analyzing the connotation, level and influencing factors of credit culture, introduces the development course of credit culture in commercial banks. In the third chapter, the author firstly analyzes the history and characteristics of the credit culture of the Agricultural Development Bank of China, and then makes a deep research on the present situation and the existing problems of the credit culture in Jilin Branch of the Agricultural Development Bank of China. The causes of the problems are analyzed. In chapter 4, the cultivation of credit culture in Jilin Branch of Agricultural Development Bank of China is explained in detail from four aspects: the consciousness of credit culture, the basic principle of credit culture, the focus of credit culture and the construction mechanism. In a word, this paper analyzes the credit culture of Agricultural Development Bank from two aspects: the commonality of bank credit culture and the particularity of being a policy bank. On the one hand, it is necessary to see its irreplaceable role and special significance, on the other hand, it should be optimized to a certain extent according to the progress of the market and the development of financial deepening. Trying to find the shackles that hinder the development of the credit system driven by the Agricultural Development Bank's credit culture, and through drawing lessons from the advanced experience of the mature credit culture model of commercial banks, and taking the essence of the credit culture model to get rid of its dross. Agricultural Development Bank for the further improvement of credit culture.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2366463
[Abstract]:With the acceleration of economic and political reform, China's financial system has entered the tide of change. As the foundation of the financial industry, whether the banking industry can develop healthily or not determines the development situation of our country's financial market and economy. The oldest and most fundamental bank business is the credit business, and the credit culture derived from the credit business has become the vane of showing the fate of a bank under the current economic situation. In today's society, cultural management has become the most advanced management. For an enterprise, culture is the soft power of the enterprise, plays an irreplaceable role in guiding the development direction of the enterprise, and plays an irreplaceable role in the survival of the enterprise. The soul of development, the source of vitality. The state-owned commercial banks were established earlier, after many years of exploration, they have accumulated certain credit cultural experience, have a clear level, and show different emphases in different stages of social development. It has formed the credit concept, credit principle, management system and behavior standard that the management and all credit personnel abide by. Agricultural Development Bank of China is the only agricultural policy bank in China. Its credit culture has the commonality of general commercial bank and the particularity of policy bank. As a policy bank, Agricultural Development Bank has its special cause and development course, and also plays a special role in the development of national macro economy. Combined with the specific historical background of China's socialism in China and the objective reality of socialism with Chinese characteristics in the primary stage of socialism, it is of great practical significance to study the credit culture of Agricultural Development Bank of China. This paper takes the Jilin Branch of the Agricultural Development Bank of China as the research object, has carried on the thorough research to the credit culture cultivation, has carried on the analysis to the present situation and the existing question of the credit culture of the Jilin Branch of the Agricultural Development Bank of China. Put forward the relevant measures of cultivating credit culture. This paper is divided into four chapters: chapter 1 introduces the background of the research on the credit culture of Jilin Branch of the Agricultural Development Bank of China, then summarizes the purpose and significance of the study, and finally explains the main content of this study. Chapter 2, on the basis of analyzing the connotation, level and influencing factors of credit culture, introduces the development course of credit culture in commercial banks. In the third chapter, the author firstly analyzes the history and characteristics of the credit culture of the Agricultural Development Bank of China, and then makes a deep research on the present situation and the existing problems of the credit culture in Jilin Branch of the Agricultural Development Bank of China. The causes of the problems are analyzed. In chapter 4, the cultivation of credit culture in Jilin Branch of Agricultural Development Bank of China is explained in detail from four aspects: the consciousness of credit culture, the basic principle of credit culture, the focus of credit culture and the construction mechanism. In a word, this paper analyzes the credit culture of Agricultural Development Bank from two aspects: the commonality of bank credit culture and the particularity of being a policy bank. On the one hand, it is necessary to see its irreplaceable role and special significance, on the other hand, it should be optimized to a certain extent according to the progress of the market and the development of financial deepening. Trying to find the shackles that hinder the development of the credit system driven by the Agricultural Development Bank's credit culture, and through drawing lessons from the advanced experience of the mature credit culture model of commercial banks, and taking the essence of the credit culture model to get rid of its dross. Agricultural Development Bank for the further improvement of credit culture.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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