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I 中文摘要 近年来,我国金融改革持续深化,党中央、国务院陆续出台许多倾向三农领 域的帮扶政策。银行业监管部门希望在一些经济欠发达地区开展“多县一行”制 村镇银行试点,以解决这些地区金融资源相对短缺的问题,逐步提升金融服务广 度以及人民群众对金融服务的获得感。 本文选取了东北三省唯一一家“多县一行”制村镇银行试点-HX村镇银行为 研究对象,并通过文献研究法汇总了目前国内外村镇银行发展现状及发展策略选 择,通过实地访谈的方法,掌握了HX村镇银行的经营现状,分析了HX村镇银行 在现阶段发展中存在的如:存款营销效果不明显、贷款运营成本高风险大、缺乏 可持续发展策略规划等问题。以问题角度出发,分析其内外部环境,以及优势、 劣势、机会、威胁等情况,为其选择相匹配的发展策略,并进一步提出保障措施。 希望通过本文的研究能够为HX村镇银行明确发展策略,以解决其现阶段存在的 问题,通过提升支持实体经济能力,为当地人民群众提供优质金融服务。 关键词:村镇银行;发展策略;保障措施 黑龙江大学硕士学位论文 II Abstract In recent years, China's financial reform has continued to deepen, and the CPC Central Committee and the State Council have successively introduced many supportive policies in favor of agriculture, rural areas and farmers. Therefore, the banking supervision department hopes to carry out the pilot of "multi-county and one-line" village bank system in some economically underdeveloped areas, so as to solve the problem of the relative shortage of financial resources in these areas, and gradually improve the breadth of financial services and people's sense of access to financial services. This paper selects HX village bank as the research object, which is the only pilot of "multi county and one bank" system in three provinces of Northeast China, and through the literature research summary of the current development of rural Banks at home and abroad situation and development strategy choice, by the methods of on-the-spot interview, mastered the HX village Banks management present situation, analyzes the HX existing in the development of village Banks in this stage, such as: marketing effect is not obvious deposit and loan operation cost high risk big, the lack of sustainable development strategy planning, and other issues. From the perspective of problems, this paper analyzes the internal and external environment, advantages, disadvantages, opportunities, threats and other factors they face in the process of sustainable development, and then selects matchable development strategy for them, and puts forward safeguard measures to ensure the smooth implementation of this strategy. It is hoped that the research of this paper can clarify the development strategy for HX village and town banks, to solve the problems existing in this stageand for the local people by continuously improving their ability to serve the real economy. Keywords:Village bank; Development strategy; Safeguards 目录 III 目录 中文摘要...........................................................................................................................I Abstract.............................................................................................................................II 绪论...................................................................................................................................1 一、研究背景...........................................................................................................1 二、研究目的和意义...............................................................................................2 (一)研究目的...............................................................................................2 (二)研究意义...............................................................................................2 三、国内外研究现状...............................................................................................3 (一)国外研究现状.......................................................................................3 (二)国内研究现状.......................................................................................5 (三)国内外研究现状评述...........................................................................7 四、研究内容及方法...............................................................................................8 (一)研究内容...............................................................................................8 (二)研究方法...............................................................................................9 第一章 相关概念与理论基础.....................................................................................10 第一节 相关概念...................................................................................................10 一、村镇银行.................................................................................................10 二、普惠金融.................................................................................................11 第二节 理论基础...................................................................................................11 一、金融深化理论.........................................................................................11 二、金融可持续发展理论.............................................................................12 三、农村金融创新理论.................................................................................12 四、企业经营策略理论.................................................................................13 本章小结.................................................................................................................13 第二章 HX村镇银行发展现状及问题分析..............................................................14 黑龙江大学硕士学位论文 IV 第一节 HX村镇银行发展现状............................................................................14 一、股权及内设部门情况.............................................................................14 二、经营情况.................................................................................................15 三、发展普惠金融情况.................................................................................15 第二节 HX村镇银行在发展中存在的问题........................................................16 一、主营业务缺乏竞争力.............................................................................16 二、风险防御能力较弱.................................................................................17 三、可持续发展路径不明确.........................................................................18 第三节 HX村镇银行存在问题的原因................................................................18 一、当地金融市场竞争激烈.........................................................................18 二、涉农贷款信用风险大.............................................................................19 三、缺乏可持续发展策略规划.....................................................................19 本章小结.................................................................................................................20 第三章 HX村镇银行发展的内外部环境分析..........................................................21 第一节 内部环境分析...........................................................................................21 一、公司治理情况分析.................................................................................21 二、业务经营情况分析.................................................................................21 第二节 外部环境分析...........................................................................................22 一、宏观环境-PEST分析.............................................................................22 二、地区行业环境-五力模型分析................................................................24 本章小结.................................................................................................................26 第四章 HX村镇银行SWOT分析.............................................................................27