首页 > 资料专栏 > 论文 > 财税论文 > 金融机构论文 > 村镇银行可持续发展的探究_MBA硕士毕业论文DOC

村镇银行可持续发展的探究_MBA硕士毕业论文DOC

资料大小:1896KB(压缩后)
文档格式:DOC
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2018/5/29(发布于河南)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
摘要
农业是各国的经济发展的基础,国家为了更好的使处于边际的农村地区资金
在金融市场中充分流动,持续加大力度对扶持农村经济的建设。特别表现在国家
用各种手段致力于解决“三农”和农村地区小微企业融资难的问题,国家为了解
决农村经济薄弱问题在农村地区设立新型金融机构,村镇银行就是在这样的环境
诞生的。中国银监会于 2006 年 12 月发布了关于农村地区金融机构的准入政策,
调整放宽了村镇银行的设立门槛,鼓励达标的其他商业银行组建并扶持村镇银行
的可持续发展,彻底从根源上改变农村金融体系的思路,发展惠普金融以化解农
村金融供需的矛盾,为增强和扩展农村金融服务提供了准入依据,是我国多元竞
争性农村金融市场体系的一大创新。国家设立村镇银行的目的是充分流通农村地
区的社会资金,提升落后地区的金融生产力,形成使资金从农村来,到农村去的
良性循环。村镇银行的建立标志着农村金融的市场改革已由“存量”向“增量”
在转变。10 年间,在中国银监会的指导和政策的支持下,村镇银行始终坚持“支
农支小”战略定位,持续增加农村金融供给,严格风险防范,坚决守住风险底线

村镇银行培育发展工作取得了显著的社会效益。其发展已然成为我国农村金融的
一支重要生力军。与此同时,受整个大趋势经济发展回落的影响,村镇银行的经
营发展遇到了新的瓶颈期,吸储难、结算难、内控弱、人才缺是制约了村镇银行
的健康发展的主要原因,究其原因是村镇银行发展偏离定位、发展战略不清晰、
风险滞后、信用体系不健全等。未来如何保证村镇银行的可持续发展,拓展空间
把业务做大做强是本文探究的目的。基于此,对村镇银行可持续发展运行机制进
行探究,对于全面的了解村镇银行发展现状,分析今后的发展方向,在当地经济
特色的基础上保证可持续性有十分重要的现实意义。这就要求村镇银行在发展过
程中寻找政策性和商业盈利性之间的平衡点,实现村镇银行网点有效覆盖,优化
配置农村金融市场,充分防范化解农村金融潜在的风险。本文基于 S 村镇银行的
发展视角,以 S 银行的实际经营情况进行分析,通过比较与其他金融机构的异同,
找准定位,探索村镇银行面临的机遇和挑战,提出了一些合理化的建议。村镇银
行填补我国农村金融发展的空白的作用不可忽视,将日益受到更多的关注。希望II
在今后的发展中,村镇银行自身能不断的改进风险防范方面的不足,在村镇银行
的可持续发展过程中不断迭代自身,通过村镇银行的健康发展来优化我国新农村
经济的结构,改善我国的二元城乡结构

关键词:村镇银行;主发起行制度;可持续发展;小微服务III
Abstract
Recently, our country attaches great importance to the development of the
agriculture in order to attract more funds in rural areas and continue to increase support
for rural economic development efforts. Especially in the country with various means
to solve the Three Rural and small and medium enterprises financing difficulties of
rural areas . The emergence of rural banks has become an important means to solve
this weak problem. In December 2006, China Banking Regulatory Commission on the
adjustment of rural areas to relax the implementation of financial institutions since the
implementation of the policy, the vigorous development of rural banks, fundamentally
changed the rural financial system stock reform ideas , alleviated the contradiction
between rural financial supply and demand to some extent, Enhanced the financial
services of farmers and small and medium enterprises, and accumulated valuable
experience for China&39;s diversified competitive rural financial market system.
The rural bank is established in accordance with the relevant laws and regulations,
which are founded by domestic and foreign financial institutions, domestic
non-financial institutions and natural persons in the rural areas, mainly for local
farmers, agriculture and rural economic development providing financial services. In
the Interim Provisions on the Administration of Banks and Villages, it is stipulated
that rural banks should not issue loans in different places, After paying the deposit
reserve, the available funds of the banks should be put into the development of the
local economy. This fully illustrates the policy intention of the rural bank is to use
social funds in rural areas to promote the development of its rural finance. The
establishment of the rural bank marks the rural financial market reform has been
changed from stock to increment. Within 10 years, its development has become an
important force in China&39;s rural finance. At the same time, under the impact of the
overall trend of economic development, the storage difficulties, balance difficulties,
internal control weaknesses and talent shortage in rural banks has become a bottleneck
restricting its further development, which expose the problem that market position ofIV
the rural bank is not clear, the development strategy is not clear, the risk is lagging
behind, the credit system is not perfect and so on.
How can the rural bank expand its space in the future to achieve its sustainable
development Based on this, it is of great practical significance to explore the
implementation mechanism of sustainable development of rural banks, to expand the
effective coverage of rural financial economy, to optimize the financial structure of
local market, to resolve and prevent the potential risks of rural finance. Based on the
development of the rural bank, this paper analyzes the status quo of the development of
the bank, compares the similarities and differences with other funds, explores the
opportunities and challenges faced by the rural banks, and puts forward some
reasonable suggestions. Rural Banks fills the gaps in China&39;s rural financial
development, increasingly subject to more attention. Hope that in the future
development, the rural banks themselves can continue to improve the risk prevention
aspects of the shortcomings to promote the healthy development of rural bank, and to
serve China&39;s new rural economy.
Key Words:Rural BankMain;Departure System;Sustainable Development;Small
and Micro ServiceV
目 录
摘要 .I
Abstract.........III
1 导论.1
1.1 研究背景与研究意义.......1
1.1.1 研究背景......1
1.1.2 研究意义......2
1.2 村镇银行与其他金融机构的关系...........3
1.3 研究思路和研究方法.......4
1.3.1 研究思路......4
1.3.2 研究方法......7
1.4 创新与不足...........8
2 相关理论和文献综述 ........9
2.1 国内外研究文献综述.......9
2.1.1 国外研究综述..........9
2.1.2 国内文献综述..........9
2.2 文献述评.11
3 S 村镇银行的发展现状.....11
3.1 S 村镇银行可持续发展的内涵..12
3.2 S 村镇银行发展的 PEST 分析....12
3.2.1 政治法律环境........13
3.2.2 经济环境.