本文關(guān)鍵詞：上海金山惠民村鎮(zhèn)銀行發(fā)展路徑探究　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 金山惠民村鎮(zhèn)銀行 地區(qū)經(jīng)濟(jì) 發(fā)展模式

【摘要】：村鎮(zhèn)銀行作為一種新型的農(nóng)村金融機(jī)構(gòu),村鎮(zhèn)銀行的成立與發(fā)展將有效解決我國(guó)農(nóng)村地區(qū)“農(nóng)民、農(nóng)村企業(yè)貸款難,銀行難貸款”的問(wèn)題,對(duì)促進(jìn)我國(guó)新農(nóng)村建設(shè)、引導(dǎo)農(nóng)村金融改革創(chuàng)新意義重大。 首先,村鎮(zhèn)銀行能夠有效多元化農(nóng)村金融機(jī)構(gòu)主體,提高農(nóng)村金融服務(wù)水平。一方面,隨著農(nóng)村經(jīng)濟(jì)的發(fā)展,農(nóng)村金融需求日益多樣化,而我國(guó)現(xiàn)有的農(nóng)村金融機(jī)構(gòu)表面上看種類齊全,但實(shí)際上可為農(nóng)村發(fā)展提供的有效資金很少,無(wú)法滿足個(gè)體農(nóng)戶和農(nóng)村企業(yè)的發(fā)展需求；另一方面,農(nóng)村企業(yè)金融市場(chǎng)供需的不確定性較大,以往的正規(guī)金融機(jī)構(gòu)對(duì)貸款對(duì)象了解不夠深入,因而其發(fā)放貸款承受的風(fēng)險(xiǎn)較大。村鎮(zhèn)銀行由于設(shè)立門檻低、經(jīng)營(yíng)靈活、運(yùn)營(yíng)效率高、搜集“軟信息”更容易,在“關(guān)系型貸款”方面有優(yōu)勢(shì)等,適合在農(nóng)村地區(qū)發(fā)展,應(yīng)該大力地加予培育。 其次,建立村鎮(zhèn)銀行是解決我國(guó)現(xiàn)有農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)覆蓋率低、金融供給不足、競(jìng)爭(zhēng)不充分、金融服務(wù)缺位等“金融抑制”問(wèn)題的創(chuàng)新之舉,對(duì)于促進(jìn)農(nóng)村地區(qū)投資多元、種類多樣、覆蓋全面、治理靈活、服務(wù)高效的新型農(nóng)村金融體系的形成,進(jìn)而更好地改進(jìn)和加強(qiáng)農(nóng)村金融服務(wù),支持社會(huì)主義新農(nóng)村建設(shè),促進(jìn)農(nóng)村經(jīng)濟(jì)社會(huì)和諧發(fā)展和進(jìn)步,具有十分重要的意義。 最后,村鎮(zhèn)銀行的建設(shè)是深化農(nóng)村金融改革創(chuàng)新的助推器。建立村鎮(zhèn)銀行是當(dāng)前農(nóng)村金融改革的創(chuàng)新之舉。一方面,它能夠很好的集結(jié)民間的閑散資本,引進(jìn)了外資商業(yè)銀行進(jìn)駐農(nóng)村金融市場(chǎng),使金融資源得到合理運(yùn)用,形成農(nóng)村新金融競(jìng)爭(zhēng)格局；另一方面,它還服務(wù)于農(nóng)產(chǎn)品企業(yè)和農(nóng)戶的金融需求、開拓了農(nóng)村消費(fèi)信貸需求,將在當(dāng)前我國(guó)農(nóng)村金融改革發(fā)揮重要作用。 村鎮(zhèn)銀行近幾年發(fā)展勢(shì)頭迅猛,從2007年至2009年,短短兩年之內(nèi),全國(guó)已成立村鎮(zhèn)銀行97家,截至2012年6月30日,全國(guó)有1101家村鎮(zhèn)銀行。在千余家村鎮(zhèn)銀行中,有不少在與當(dāng)?shù)厮拇笮兄小⒊巧绦�、農(nóng)信社等的競(jìng)爭(zhēng)中因?yàn)榫W(wǎng)點(diǎn)少、成本高、風(fēng)險(xiǎn)控制系統(tǒng)不健全,從而虧損而倒閉的,但也不乏許多成功的例子,如綜合業(yè)務(wù)發(fā)展情況全國(guó)排名前五位的浙江長(zhǎng)興聯(lián)合村鎮(zhèn)銀行,四川儀隴惠民村鎮(zhèn)銀行,遼寧莊河匯通村鎮(zhèn)銀行,山西榆次融信村鎮(zhèn)銀行,江蘇邗江民泰村鎮(zhèn)銀行。因此對(duì)于新成立的村鎮(zhèn)銀行來(lái)說(shuō),如何吸取失敗的教訓(xùn),借鑒好的發(fā)展模式,從而探尋自身的發(fā)展道路就變得尤為重要。 上海金山惠民村鎮(zhèn)銀行于2012年2月正式開業(yè),作為上海市金山區(qū)第一家村鎮(zhèn)銀行,一方面,其處于起步階段,銀行的治理結(jié)構(gòu)、業(yè)務(wù)模式等方面都不健全,需要摸索探尋出適合自己的發(fā)展道路；另一方面,作為上海市金山區(qū)第一家村鎮(zhèn)銀行,上海市注冊(cè)資本最大的一家村鎮(zhèn)銀行,其發(fā)展是否順暢不僅關(guān)系著銀行自身,而且影響著金山區(qū)的農(nóng)村金融機(jī)構(gòu)布局和農(nóng)村經(jīng)濟(jì)的發(fā)展,對(duì)于整個(gè)上海市的村鎮(zhèn)銀行也將有著示范效應(yīng)；其次,自2007年第一家村鎮(zhèn)銀行成立以來(lái),我國(guó)關(guān)于村鎮(zhèn)銀行的研究多是圍繞著整個(gè)村鎮(zhèn)銀行業(yè)的宏觀層面的研究,對(duì)于個(gè)體村鎮(zhèn)銀行的研究也多是將其與其他農(nóng)村金融機(jī)構(gòu),如農(nóng)村信用社,城市商業(yè)銀行等的比較,而鮮有結(jié)合國(guó)外村鎮(zhèn)銀行的發(fā)展經(jīng)驗(yàn),根據(jù)村鎮(zhèn)銀行生存背景經(jīng)濟(jì)發(fā)展的層面來(lái)研究村鎮(zhèn)銀行的發(fā)展模式。因此,本文的研究對(duì)于地區(qū)經(jīng)濟(jì)發(fā)展與村鎮(zhèn)銀行發(fā)展模式的關(guān)系研究也是有方向性指導(dǎo)意義。 本文主要采用的研究方法有：(1)文獻(xiàn)分析法,以CNKI學(xué)術(shù)期刊數(shù)據(jù)庫(kù)和Google Scholar等為數(shù)據(jù)來(lái)源,檢索關(guān)于農(nóng)村金融、村鎮(zhèn)銀行的大量文獻(xiàn),對(duì)國(guó)內(nèi)外的文獻(xiàn)資料進(jìn)行整理分析。(2)比較分析法,比較上海金山惠民村鎮(zhèn)銀行和四川儀隴惠民村鎮(zhèn)銀行在金融需求和貸款側(cè)重不同(3)理論分析和實(shí)證分析相結(jié)合,通過(guò)對(duì)上海市金山區(qū)的實(shí)際經(jīng)濟(jì)發(fā)展?fàn)顩r的數(shù)據(jù)分析,提出上海金山惠民村鎮(zhèn)銀行在該地區(qū)的發(fā)展思路。 本文共分為六個(gè)部分： 第一部分：首先對(duì)村鎮(zhèn)銀行的概念和基本特征進(jìn)行了界定,然后回顧了關(guān)于村鎮(zhèn)銀行政策的發(fā)展路徑。同時(shí)對(duì)國(guó)內(nèi)外研究現(xiàn)狀與成果進(jìn)行了分析綜述,點(diǎn)明了國(guó)內(nèi)外學(xué)術(shù)界對(duì)于村鎮(zhèn)銀行的研究現(xiàn)狀。 第二部分：簡(jiǎn)單介紹了上海金山惠民村鎮(zhèn)銀行的概況,及其主要的特點(diǎn)。 第三部分：通過(guò)村鎮(zhèn)銀行的鼻祖孟加拉村鎮(zhèn)銀行在組織結(jié)構(gòu)、業(yè)務(wù)發(fā)展模式和風(fēng)險(xiǎn)防范方面的經(jīng)驗(yàn),提出上海金山惠民村鎮(zhèn)銀行可以借鑒的一些方面。 第四部分：分析了上海金山惠民村鎮(zhèn)銀行的所在地上海市金山區(qū)在農(nóng)業(yè)、工業(yè)、服務(wù)業(yè)以及產(chǎn)業(yè)集群方面的發(fā)展?fàn)顩r,并根據(jù)實(shí)際狀況提出上海金山惠民村鎮(zhèn)銀行的發(fā)展思路。 第五部分：通過(guò)比較分析上海金山惠民村鎮(zhèn)銀行和四川儀隴惠民村鎮(zhèn)銀行在金融需求和貸款側(cè)重方面的不同,提出四川儀隴惠民村鎮(zhèn)銀行值得被借鑒的一些創(chuàng)新思路。 第六部分：根據(jù)已有的村鎮(zhèn)銀行發(fā)展?fàn)顩r,分析上海金山惠民村鎮(zhèn)銀行在發(fā)展過(guò)程中可能遇到的一些問(wèn)題,并提出相應(yīng)的政策建議。
[Abstract]:As a new type of rural financial institution, the establishment and development of village banks will effectively solve the problem of "loans from farmers, rural enterprises and banks", which is of great significance for promoting the construction of new countryside and guiding the reform and innovation of rural finance.
First of all, rural banks can effectively the diversification of rural financial institutions, improve the level of financial services in rural areas. On the one hand, with the development of the rural economy, rural financial demand increasingly diversified, and China's existing rural financial institutions on the surface of all kinds, but actually can provide effective funds for rural development are unable to meet the individual farmers and the rural enterprise development needs; on the other hand, the supply and demand of rural enterprises in financial markets is uncertain, the formal financial institutions in the past on the loan object understanding is not deep enough, so the money lending bear greater risk. With the establishment of village banks low threshold, flexible operation, high operation efficiency, collecting soft information more easily. There are advantages in "relationship lending", suitable for development in rural areas, should be vigorously to cultivate.
Secondly, the establishment of village banks is to solve China's current rural banking institutions in low coverage, lack of financial supply, inadequate competition, innovative financial services such as the absence of "financial repression", to promote investment in rural areas diversity, species diversity, comprehensive coverage, flexible management, the formation of new rural financial service system efficient, so as to improve and strengthen the rural financial services, support the construction of new socialist countryside, promoting rural economic and social harmonious development and progress, it has very important significance.
Finally, the construction of rural banks is the booster of deepening rural financial reform and innovation. The establishment of village banks is the innovation of rural financial reform. On the one hand, it can be a very good build-up of civil idle capital, the introduction of foreign commercial banks in the rural financial market, financial resources reasonable use, the formation of new rural financial competition; on the other hand, it also serves the agricultural enterprises and the financial needs of farmers, to develop the rural consumer credit demand, will be in the current China's rural financial reform play an important role.
Village banks in recent years, the momentum of rapid development, from 2007 to 2009, just two years, the country has established 97 rural banks, as of June 30, 2012, there are 1101 rural banks in the country. More than 1000 rural banks, there are many in the local branch, and four for City Commercial Banks, rural credit cooperatives and other competition because fewer outlets, high cost, risk control system is not perfect, so the loss of failing, but there are many successful examples, such as the comprehensive business development situation of the top five in Zhejiang Changxin United Rural Bank, Sichuan Bank of Liaoning Yilong Huimin village town, Zhuanghe Huitong Village bank, Shanxi Yuci rosan village bank, Jiangsu the people's Bank of villages. So for the newly established rural banks, how to draw lessons from the failure, learn from the good development model, to explore their own path of development has become particularly important.
Shanghai Jinshan Huimin village bank officially opened on February 2012, as the Shanghai Jinshan District City, the first rural bank, on the one hand, it is in the initial stage, the bank's governance structure and other aspects of the business model is not perfect, need to explore to explore their own path of development; on the other hand, as the Shanghai Jinshan District City, the first rural bank, Shanghai a village bank registered capital of the largest, its development is smooth not only in relation to the bank itself, but also affects the development of rural financial institutions and the layout of Jinshan District's rural economy, for the entire city of Shanghai Village banks will also have a demonstration effect; secondly, since 2007 since the founding of the first rural bank, research on rural banks our country is on the macro level around the entire village banks, for the study of individual village banks are also the gold and other rural areas Financial institutions, such as rural credit cooperatives, comparison of city commercial banks, and seldom combined with foreign experience in the development of village banks, to study the development model of rural banks according to the background of economic survival and development of rural bank level. Therefore, this research is also a direction significance for the study of relationship between regional economic development and the development model of rural banks.
The research methods used in this paper are: (1) the literature analysis method, using CNKI and Google Scholar academic journals database as the data source, a large number of literature retrieval on rural finance, rural banks, in the domestic and foreign literature analysis. (2) comparative analysis, comparison of Shanghai Jinshan and Sichuan Huimin village bank Yilong Huimin village banks are different in financial demand and loan (3) combination of theoretical analysis and empirical analysis, through the analysis of actual economic conditions in Shanghai city of Jinshan District data, proposed the Shanghai Jinshan Town of Huimin village banks in the area of development.
This article is divided into six parts:
The first part: firstly, the concept and basic characteristics of rural banks were defined, and then reviews the development path of rural banking policy. At the same time to the domestic and foreign research status and results were analyzed and summarized, and points out the academic circles at home and abroad for the village bank's research present situation.
The second part: a brief introduction to the general situation of the Shanghai Jinshan Huimin village bank and its main characteristics.
The third part: through the experience of Bangladesh village bank in the organizational structure, business development mode and risk prevention, we put forward some aspects that Shanghai Jinshan Huimin village bank can learn from.
The fourth part analyzes the development status of Shanghai Shanghai jinhuimin village bank in Jinshan District, agriculture, industry, service industry and industrial cluster. Based on the actual situation, it puts forward the development ideas of Shanghai Jinshan Huimin village bank.
The fifth part: by comparing and analyzing the difference between Shanghai Jinshan Huimin village bank and Sichuan Yilong Huimin village bank in terms of financial demand and loan emphasis, it puts forward some innovative ideas worthy of being learned from Sichuan Yilong Huimin village bank.
The sixth part: according to the existing development situation of village banks, this paper analyzes some problems that may happen in the development process of Jinshan Huimin village bank in Shanghai, and puts forward corresponding policy recommendations.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 李川;;勇做支農(nóng)支小“馬前卒”——四川儀隴惠民村鎮(zhèn)銀行堅(jiān)守服務(wù)“三農(nóng)”市場(chǎng)定位[J];中國(guó)農(nóng)村金融;2012年20期

2 苑堅(jiān);陳?ài)?;中國(guó)首家村鎮(zhèn)銀行在四川誕生[J];杭州通訊;2007年03期

3 蔡靚;;村鎮(zhèn)銀行:“惠民”開花結(jié)果[J];時(shí)事報(bào)告;2009年05期

4 ;唐雙寧在全國(guó)首家村鎮(zhèn)銀行——四川儀隴惠民村鎮(zhèn)銀行開業(yè)儀式上強(qiáng)調(diào):規(guī)范推進(jìn)試點(diǎn) 促進(jìn)機(jī)制轉(zhuǎn)換 嚴(yán)密防范風(fēng)險(xiǎn) 做好支農(nóng)服務(wù) 把村鎮(zhèn)銀行辦成為“三農(nóng)”服務(wù)的農(nóng)村社區(qū)性銀行[J];中國(guó)農(nóng)村信用合作;2007年04期

5 張文錦;朱思爽;林忠;陳義斌;王文軍;張文錦;;面對(duì)群雄逐鹿：農(nóng)信社須蓄積內(nèi)力[J];中國(guó)農(nóng)村信用合作;2008年06期

6 趙德斌;王威;;“草根銀行”放大“輸血”能力[J];農(nóng)村財(cái)政與財(cái)務(wù);2012年08期

7 ;村鎮(zhèn)銀行信貸模式探索——來(lái)自四川儀隴惠民村鎮(zhèn)銀行的實(shí)踐[J];新遠(yuǎn)見(jiàn);2009年01期

8 伍];;村鎮(zhèn)銀行在農(nóng)村金融市場(chǎng)的定位探討——基于對(duì)四川儀隴惠民村鎮(zhèn)銀行的調(diào)查[J];現(xiàn)代商貿(mào)工業(yè);2008年07期

9 ;資訊[J];中國(guó)信用卡;2007年06期

10 胡國(guó)友;;村鎮(zhèn)銀行創(chuàng)新金融產(chǎn)品與服務(wù)方式支持小微企業(yè)發(fā)展研究——以吉林省松原寧江惠民村鎮(zhèn)銀行為例[J];吉林金融研究;2013年02期

相關(guān)重要報(bào)紙文章 前10條

1 劉裕國(guó);惠民村鎮(zhèn)銀行:愿望是雙贏[N];人民日?qǐng)?bào);2008年

2 方會(huì)磊;儀隴惠民村鎮(zhèn)銀行三招探路[N];21世紀(jì)經(jīng)濟(jì)報(bào)道;2008年

3 本報(bào)記者 張友;缺錢、缺人 惠民村鎮(zhèn)銀行突圍“三位一體”[N];21世紀(jì)經(jīng)濟(jì)報(bào)道;2008年

4 鄧超;惠民村鎮(zhèn)銀行發(fā)放貸款3700余萬(wàn)元[N];南充日?qǐng)?bào);2008年

5 記者 李颯;調(diào)兵山惠民村鎮(zhèn)銀行開業(yè)[N];鐵嶺日?qǐng)?bào);2010年

6 周操;織金惠民村鎮(zhèn)銀行起步不凡[N];畢節(jié)日?qǐng)?bào);2011年

7 本報(bào)記者 李國(guó)朋;織金縣惠民村鎮(zhèn)銀行開業(yè)[N];畢節(jié)日?qǐng)?bào);2010年

8 和平;中國(guó)首家村鎮(zhèn)銀行正式開業(yè)[N];北京商報(bào);2007年

9 本報(bào)記者　 殷楠;四川儀隴惠民村鎮(zhèn)銀行開業(yè)[N];經(jīng)濟(jì)日?qǐng)?bào);2007年

10 夏先清邋王代林;四川：村鎮(zhèn)銀行前景看好[N];經(jīng)濟(jì)日?qǐng)?bào);2008年

相關(guān)碩士學(xué)位論文 前2條

1 李霄;惠民村鎮(zhèn)銀行競(jìng)爭(zhēng)力分析[D];西南財(cái)經(jīng)大學(xué);2008年

2 董克;上海金山惠民村鎮(zhèn)銀行發(fā)展路徑探究[D];西南財(cái)經(jīng)大學(xué);2013年

，

本文編號(hào)：1404206