本文選題：村鎮(zhèn)銀行　切入點(diǎn)：AHP分析法　出處：《東北農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：近幾年，農(nóng)村經(jīng)濟(jì)和農(nóng)業(yè)如何發(fā)展以及農(nóng)民生活水平怎樣提高一直是我國社會主義現(xiàn)代化建設(shè)的首要問題，黨和國家高度重視。農(nóng)村經(jīng)濟(jì)的發(fā)展需要金融的支持，但目前金融供給不足，競爭不充分、覆蓋率低等問題普遍在我國農(nóng)村地區(qū)存在著。這些問題已經(jīng)嚴(yán)重阻礙了我國農(nóng)村經(jīng)濟(jì)的發(fā)展。因此，我們在發(fā)展農(nóng)村經(jīng)濟(jì)的同時(shí)，務(wù)必要加快對農(nóng)村金融體系的改革，逐步完善農(nóng)村金融服務(wù)體系，打破傳統(tǒng)競爭模式，開創(chuàng)農(nóng)村金融新服務(wù)方式，根據(jù)農(nóng)村地區(qū)需求特點(diǎn)建立適合的農(nóng)村金融機(jī)構(gòu)，為我國新農(nóng)村的建設(shè)提供強(qiáng)有力的金融支持。2007年全國首家村鎮(zhèn)銀行在四川成立，它的成立具有里程碑的意義，為“三農(nóng)”提供了新的融資渠道，為我國農(nóng)村金融的發(fā)展注入了新的活力。村鎮(zhèn)銀行經(jīng)過6年多的發(fā)展，隊(duì)伍不斷壯大，發(fā)展速度也不斷增快，成立的范圍由最開始的6個(gè)試點(diǎn)省份，擴(kuò)大到了全國31個(gè)省市、自治區(qū)，截至2013年2月末，全國已成立1400多家村鎮(zhèn)銀行。村鎮(zhèn)銀行保持健康、良好、穩(wěn)定的發(fā)展趨勢，對構(gòu)建我國農(nóng)村金融體系有著十分重要的意義。 本文從現(xiàn)階段我國村鎮(zhèn)銀行運(yùn)行的現(xiàn)狀入手，總結(jié)了目前村鎮(zhèn)銀行在發(fā)展過程中所面臨的主要問題，通過運(yùn)用AHP分析法分析研究了對村鎮(zhèn)銀行發(fā)展能力產(chǎn)生影響的主要因素，并借鑒國外村鎮(zhèn)銀行的成功模式經(jīng)驗(yàn)，在此基礎(chǔ)上，提出適用于我國村鎮(zhèn)銀行持續(xù)穩(wěn)定發(fā)展的對策。 文章總共分為七個(gè)部分，第一部分為引言，主要介紹了論文的研究的背景、研究的目的、研究的意義以及國外研究動態(tài)等問題；第二部分首先界定了村鎮(zhèn)銀行的概念，并簡單介紹了村鎮(zhèn)銀行的特征,又闡述了本文研究的理論基礎(chǔ)，包括金融深化論、農(nóng)村金融市場論、不完全競爭論等農(nóng)村金融發(fā)展理論基礎(chǔ)；第三部分和第四部分為整個(gè)論文的主體，其中第三部分介紹了村鎮(zhèn)銀行目前發(fā)展的現(xiàn)狀，根據(jù)現(xiàn)狀總結(jié)了村鎮(zhèn)銀行存在的主要問題；第四部分則通過資料分析及調(diào)查研究的方法確定了影響村鎮(zhèn)銀行發(fā)展能力的因素，再運(yùn)用AHP分析法對其進(jìn)行實(shí)證研究，得出金融產(chǎn)品與服務(wù)創(chuàng)新對村鎮(zhèn)銀行的持續(xù)穩(wěn)定的發(fā)展起著舉足輕重的作用；第五部分介紹了國外村鎮(zhèn)銀行的發(fā)展?fàn)顩r，在此基礎(chǔ)上總結(jié)適合我國村鎮(zhèn)銀行的發(fā)展經(jīng)驗(yàn)。第六部分，在前文研究的基礎(chǔ)上，為促進(jìn)我國村鎮(zhèn)銀行的發(fā)展提出一些對策建議。例如，，村鎮(zhèn)銀行要不斷創(chuàng)新金融產(chǎn)品與服務(wù)，引進(jìn)復(fù)合型人才并提高從業(yè)人員的整體素質(zhì)。
[Abstract]:In recent years, how to develop the rural economy and agriculture and how to improve the living standards of farmers have always been the primary problems in the socialist modernization drive of our country. The Party and the state attach great importance to it. The development of the rural economy needs financial support. However, the problems of insufficient financial supply, inadequate competition and low coverage rate exist generally in rural areas of China. These problems have seriously hindered the development of rural economy in China. Therefore, while we are developing rural economy, we are developing rural economy at the same time. We must speed up the reform of the rural financial system, gradually improve the rural financial service system, break the traditional competition model, open up new forms of rural financial services, and establish suitable rural financial institutions according to the needs of rural areas. In 2007, the first village and town bank in China was established in Sichuan, which has a milestone significance and provides a new financing channel for "three rural areas". It has injected new vitality into the development of rural finance in our country. After more than six years of development, village and town banks have grown in ranks and the speed of development has been increasing. The scope of the establishment has been expanded from the first six pilot provinces to 31 provinces and cities in the country. By the end of February 2013, more than 1400 village banks had been set up in China. The development trend of village banks is healthy, good and stable, which is of great significance to the construction of our country's rural financial system. This article starts with the present situation of the village bank operation in our country, summarizes the main problems that the village bank faces in the process of development at present, analyzes and studies the main factors that influence the development ability of the village bank by using the AHP analysis method. Based on the successful experience of foreign village and town banks, this paper puts forward some countermeasures for the sustainable and stable development of village banks in China. The article is divided into seven parts, the first part is the introduction, mainly introduces the research background, the purpose, the significance of the research and foreign research trends. The second part defines the concept of village bank. It also briefly introduces the characteristics of village banks, and expounds the theoretical basis of this study, including the theory of financial deepening, the theory of rural financial market, the theory of incomplete competition and other theories of rural financial development. Part three and part four are the main body of the whole thesis. The third part introduces the present situation of the village bank, and summarizes the main problems of the village bank according to the present situation. The fourth part determines the factors that affect the development ability of village banks through the methods of data analysis and investigation, and then makes an empirical study on them by using AHP analysis method. It is concluded that the innovation of financial products and services plays an important role in the sustainable and stable development of village banks. The fifth part introduces the development of rural banks abroad. The sixth part, on the basis of the previous research, puts forward some countermeasures and suggestions for promoting the development of village banks in China. For example, village banks should constantly innovate financial products and services. Introduction of complex talent and improve the overall quality of practitioners.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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