内蒙古政府以金融政策支持推动县域经济发展的研究

发布时间：2018-02-21 19:11

本文关键词： 县域经济政府行为金融服务　出处：《内蒙古师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：自党的十六大召开以来,我国县域经济迅速发展,从而带动国民经济强劲增势,为我国GDP和财政收入快速提高做出了积极贡献。因此,内蒙古自治区政府也十分重视本地区县域经济发展状况,大力调整区内重点县域经济结构,有效推动辖内县域经济协调发展,全区县域经济得以持续稳定增长,实现了高速发展。然而,县域经济的崛起既需要政府提供发展政策,也需要稳定的资金融资,作为现代经济核心的金融行业,在配合政府支持当地县域经济发展中,充分发挥了金融融资的重要特性,努力建立多层次、广覆盖、可持续的县域金融服务体系,为保证县域经济健康、稳定发展提供了不可或缺的中坚角色。2013年伊始,工行内蒙古分行按照工商银行总行提出的渠道建设发展战略及三年规划,对支持县域经济发展,建立县域银行渠道建设工作给予高度重视,将提升县域支行竞争力作为近两年来总行提出的重点工程,自治区分行及辖内二级分支机构进一步转换观念,各级分行均成立了渠道建设管理部门,加大渠道优化建设步伐,县域支行根据国家货币政策的相关要求,立足本地县域资源优势和经济发展特色,不断摸索创新信贷方式,大力发展小微企业贷款,扩大贷款投放力度,确保了工商银行贷款政策于当地县域经济发展相匹配,有力优化了当地县域经济结构,促进了当地县域的经济发展,同时对当地县域经济稳定持续发展奠定了坚实的基础,开创了金融支持、经济发展的“双赢”良好局面。与此同时,工商银行还采取了切实可行的服务支持措施,实施了金融创新,加强了自助服务渠道的建设,充分利用工商银行强大的科技力量及先进的技术水平,业务处理由原来的柜面人工办理逐步向电子渠道分流,形成电子交易主渠道与物理网点协同发展,业务从“走出柜台”到“走出银行”,贷款发放由“等待客户”到“现场服务”,有效地扭转了县域客户存款远、贷款难的的被动局面,从根本上优化了服务环境,提升了工行服务效率。本文以内蒙古赤峰工行支持县域经济发展为典型案例进行讨论,通过阐述金融业在县域经济发展中发挥保驾护航的作用,强调商业银行的金融支持对促进当地县域经济发展和社会稳定所具有的重要性,并对该行在当地县域经济发展过程中发挥的作用和尚需完善的举措进行细致的分析,结合全区县域经济发展的实际情况,研究探讨今后县域商业银行在支持当地经济发展,所应该采取的对策和建议,以及从金融支持的角度探讨促进县域经济发展的发展前景和有效途径。
[Abstract]:Since the 16th National Congress of the Communist Party of China, the county economy of our country has developed rapidly, thus driving the strong growth of the national economy, which has made positive contributions to the rapid increase of GDP and financial revenue of our country. The Inner Mongolia Autonomous region Government has also attached great importance to the development of the county economy in the region, vigorously adjusted the economic structure of the key counties in the region, effectively promoted the coordinated development of the county economy within its jurisdiction, and sustained and stable growth of the county economy in the whole region. However, the rise of county economy requires both government development policy and stable capital financing. As the core of modern economy, the financial industry is cooperating with the government to support the development of local county economy. It has brought into full play the important characteristics of financial financing, and has worked hard to establish a multi-level, broad-based and sustainable financial service system at the county level, which has provided an indispensable backbone for ensuring the healthy and stable development of the county economy. Since the beginning of 2013, ICBC Inner Mongolia Branch, in accordance with the channel construction development strategy and three-year plan proposed by the head office of the Industrial and Commercial Bank of China, attaches great importance to supporting the development of the county economy and establishing the channel construction of the county bank. Regarding the promotion of county branch competitiveness as the key project proposed by the head office in the past two years, the branch of the autonomous region and the secondary branch within its jurisdiction have further changed their concepts. Branches at all levels have set up channel construction management departments to increase the pace of channel optimization construction. In accordance with the relevant requirements of the national monetary policy, the county branch, based on the advantages of local county resources and the characteristics of economic development, constantly explores innovative credit methods, vigorously develops small and micro enterprise loans, and expands the lending intensity. It ensures that the ICBC loan policy matches the local county economic development, optimizes the local county economic structure, promotes the local county economic development, and at the same time lays a solid foundation for the local county economy to develop steadily and sustainably. It has created a "win-win" situation for financial support and economic development.At the same time, ICBC has also adopted practical service support measures, implemented financial innovation, and strengthened the construction of self-service channels. Making full use of ICBC's powerful scientific and technological strength and advanced technological level, the business processing will gradually be diverted from the original manual handling of the counter to the electronic channel to form a coordinated development between the main electronic trading channel and the physical network. Business from "out of the counter" to "out of the bank", loan issuance from "waiting for customers" to "on-site services", effectively reversed the county customer deposits far away, loans difficult passive situation, fundamentally optimized the service environment, This paper takes Chifeng Industrial and Commercial Bank of Inner Mongolia to support the development of county economy as a typical case to discuss the role of financial industry in the development of county economy. Emphasizing the importance of the financial support of commercial banks to the promotion of local county economic development and social stability, and making a detailed analysis of the role played by the bank in the process of local county economic development and the measures that need to be improved, According to the actual situation of the county economic development in the whole region, the paper studies the countermeasures and suggestions that the county commercial banks should take to support the local economic development in the future. From the angle of financial support, this paper probes into the prospects and effective ways of promoting the development of county economy.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.7;F127

【参考文献】