兵团十三师金融服务业发展战略研究
发布时间:2018-04-26 21:02
本文选题:兵团十三师 + 金融服务业 ; 参考:《石河子大学》2017年硕士论文
【摘要】:党的“十八大”以后,国家放宽金融业准入门槛,鼓励金融创新、发展普惠金融。兵团十三师金融服务业迅速崛起,商业银行、金融集团、融资担保公司、小额贷款公司等金融机构如雨后春笋般建立起来,金融产品和金融服务不断延伸。近年来,在“一带一路”国家战略不断推进,全国对口援疆工作有序开展、新疆经济跨越式发展的大背景下,兵团十三师不断深化改革、优化结构,金融服务业进一步发展壮大,金融服务业在协调经济发展、促进三化建设方面的作用日益凸显。但是,由于地理、经济等各方面因素制约,十三师金融服务业起步晚、发展相对滞后,特别是在近年的发展中也暴露出了金融体系不健全发展不平衡、金融创新能力弱、金融人才匮乏等问题。本文通过对相关理论文献的回顾,尤其是对金融服务业发展领域的发展成果进行研究,在阐述十三师经济和金融服务业发展现状的基础上,运用swot分析法对十三师金融服务业发展占有的优势和机遇、存在的劣势和威胁进行分析,认为目前十三师优势在于兵团的特殊体制、较好的产业结构等方面存在优势,但是也存在金融环境和风险意识薄弱、缺乏人才等劣势,尤其是在当前的经济形势下,政策性金融机构的支持力度相对有限,区域性金融机构又发展相对滞后,十三师金融服务业在预防金融风险、应对外部金融自由化冲击等方面存在很大的威胁。对此,十三师应进一步解放思想转变观念,不断总结经验、夯实基础,通过完善激励及约束机制,将业务发展与内控内管有机结合,不断激发金融机构的积极性、创造性和主动性,才能有效推动兵团十三师金融服务业的发展,提高竞争力。同时,本文通过问题导向,经过分析研判,结合实际提出十三师未来金融服务业发展的战略选择,包括深化改革,完善金融组织体系建设、促进信贷结构调整、推进征信体系建设完善担保机制、大力发展资本市场、引进和培养金融专业人才等,以确保未来十三师金融服务业的健康稳定发展。
[Abstract]:After the 18th Party Congress, the state relaxed the entry threshold of financial industry, encouraged financial innovation and developed inclusive finance. With the rapid rise of the financial services industry of the 13th Division of the Bingtuan, commercial banks, financial groups, financing guarantee companies, microfinance companies and other financial institutions have been springing up, and financial products and financial services have been continuously extended. In recent years, in the context of the continuous promotion of the national strategy of "Belt and Road", the orderly development of national counterpart assistance to Xinjiang, and the great-leap-forward development of Xinjiang's economy, the 13th Division of the Corps has continuously deepened its reform and optimized its structure. The financial service industry has further developed and strengthened. The financial service industry plays an increasingly important role in coordinating economic development and promoting the construction of the three modernizations. However, due to geographical, economic and other factors, the financial services industry of the Thirteenth Division started late and lagged behind in its development. Especially in recent years, the development of the financial system has also exposed the imbalance in the development of the financial system and the weak ability of financial innovation. Financial talent shortage and other problems. Based on the review of relevant theoretical literature, especially the research on the development results of financial service industry, this paper expounds the current situation of economic and financial services development in the 13th division. This paper analyzes the advantages, opportunities, disadvantages and threats in the development of the 13th division's financial service industry by using swot analysis method. It is concluded that the advantages of the 13th Division lie in the special system of the Corps and the better industrial structure, and so on. However, there are also weaknesses such as weak financial environment and risk awareness, lack of talents, etc. Especially in the current economic situation, the support of policy-oriented financial institutions is relatively limited, and the development of regional financial institutions is relatively lagging behind. The 13 th division financial service industry has great threat in preventing financial risk and dealing with external financial liberalization. In this regard, the 13th Division should further emancipate the mind and change ideas, continuously sum up experience, consolidate the foundation, combine business development with internal control and internal management through perfecting the incentive and restraint mechanisms, and continuously stimulate the enthusiasm of financial institutions. Creativity and initiative can effectively promote the development of the financial services industry of the 13th Division of the Corps and improve its competitiveness. At the same time, through problem-oriented, through analysis and judgment, this paper puts forward a strategic choice for the future development of financial service industry in the 13th division, including deepening reform, perfecting the construction of financial organization system, and promoting the adjustment of credit structure. In order to ensure the healthy and stable development of the financial service industry in the future, the credit system should be promoted, the guarantee mechanism should be improved, the capital market should be developed vigorously, and financial professionals should be introduced and trained.
【学位授予单位】:石河子大学
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:F832.7
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