五家渠国民村镇银行发展模式研究

发布时间：2018-08-12 12:29

【摘要】：长期以来,农村金融服务匮乏一直是制约农村经济发展的重要瓶颈之一。为解决农村地区银行业金融机构及金融服务供给不足等问题,银监会调整了农村地区银行业金融机构的准入门槛,以促进农村金融的多元化发展。五家渠国民村镇银行作为新疆维吾尔自治区首家村镇银行、兵团首家法人银行对于促进地区农村金融发展水平的提升、缓解城乡金融发展不平衡起到了重要的作用。但是在经济“新常态”以及“一带一路”战略背景下,如何促进五家渠国民村镇银行健康、快速发展,突破发展瓶颈,选择合适的发展模式是关键。本文针对现阶段五家渠国民村镇银行的发展现状进行了研究,在充分了解了其发展困境以后,对其发展模式进行了选择并提出了相应的政策建议。本文分为三部分:第一部分包括第一章,主要对本文研究的背景、意义、研究综述和方法等进行了介绍;第二部分包括第二章、第三章,主要对五家渠国民村镇银行的发展现状以及面临的发展环境进行了分析;第三部分包括第四章和第五章,主要对五家渠国民村镇银行的发展进行了定位并对其发展模式进行了选择。本文最后得出研究结论如下:(1)五家渠国民村镇银行定位于以温饱型农户和涉农中小企业为主要服务对象和客户群体,以农户个人及中小企业小额借贷为主要发展业务,以促进团场及农业产业化发展。(2)五家渠国民村镇银行的发展模式为以兵团党政支持为依托,发展资本结构以民营资本为主体,服务对象以新疆垦区中小企业和团场农牧职工为主体,严格按照现代企业制度运行,将维持本土经营模式和直接参股模式相结合,实行混合模式发展道路,以促进五家渠国民村镇银行的进一步发展。
[Abstract]:For a long time, the lack of rural financial services has been one of the important bottlenecks restricting the development of rural economy. In order to solve the problems of insufficient supply of banking financial institutions and financial services in rural areas, CBRC adjusted the entry threshold of banking financial institutions in rural areas to promote the diversified development of rural finance. As the first village and town bank in Xinjiang Uygur Autonomous region, the first legal person bank has played an important role in promoting the level of rural financial development and alleviating the imbalance between urban and rural financial development. However, under the background of "new normal" and "Belt and Road" strategy, how to promote the healthy and rapid development of Wujiaqu National Village and Town Bank, break through the bottleneck of development, and choose a suitable development model is the key. This article has carried on the research to the present stage Wujiaqu National Village Town Bank's development present situation, after fully understood its development predicament, has carried on the choice to its development pattern and proposed the corresponding policy proposal. This paper is divided into three parts: the first part includes the first chapter, mainly introduces the background, significance, research review and methods of this paper, the second part includes the second chapter, the third chapter, The paper mainly analyzes the development situation and the development environment of the Wujiaqu National Village Bank. The third part includes the fourth and fifth chapters. This paper focuses on the development of Wujiaqu National Village Bank and the choice of its development model. The conclusions of this paper are as follows: (1) the Wujiaqu National Village Bank is oriented to take the subsistence farmers and the small and medium-sized agricultural enterprises as the main service objects and customer groups, and to take the individual farmers and small and medium-sized enterprises as the main development business. (2) the development model of Wujiaqu National Village and Town Bank is based on the support of the Party and government of the Corps, and the main body of the development of capital structure is the private capital. The clients of the service are small and medium-sized enterprises in Xinjiang Reclamation area and farm and animal husbandry workers on the farm, which strictly operate in accordance with the modern enterprise system, combine the maintenance of local business model with the mode of direct equity participation, and implement a mixed mode of development. In order to promote the further development of Wujiaqu National Village Bank.
【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】：F832.35

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