發(fā)布時間：2018-04-11 02:29

  本文選題：村鎮(zhèn)銀行 + 經營困境　； 參考：《湖南大學》2013年碩士論文

【摘要】：村鎮(zhèn)銀行是在建設社會主義新農村的大背景下提出的。要支持建設社會主義新農村，就要有一個完善、競爭的農村金融體系來支撐。村鎮(zhèn)銀行是以服務地方，服務“三農”為宗旨，讓農業(yè)這種弱質的產業(yè)在銀行的扶持下盡快升級換代，讓農村經濟健康發(fā)展。村鎮(zhèn)銀行的設立，是以農戶和中小企業(yè)為基礎客戶，引導資本回流農村，從而帶動整個金融生態(tài)環(huán)境的改善。村鎮(zhèn)銀行的設立有著重要的意義，為農村金融制度改革提供有益的經驗和教訓。 本文從武岡包商村鎮(zhèn)銀行的基本情況出發(fā)，分析了股權結構、內部治理機制和經營現狀，肯定了其在這兩年的快速發(fā)展。但是，在通過實證方法對武岡包商村鎮(zhèn)銀行的經營績效的檢驗，從影響經營績效的盈利能力、可持續(xù)發(fā)展能力、風險控制能力和地區(qū)經濟發(fā)展程度四個指標進行分析，，得出武岡包商村鎮(zhèn)銀行存在盈利能力嚴重不足，缺乏可持續(xù)發(fā)展性的經營困境的結論。武岡包商村鎮(zhèn)銀行的經營困境主要表現在業(yè)務開展困難和風險集中度過高，究其原因主要有市場定位不清和公司治理缺陷的內部原因，財政政策和金融政策不到位的外部原因，為了改善村鎮(zhèn)銀行的經營狀況，需要從內在和外部兩個方面來著手解決。首先從村鎮(zhèn)銀行自身出發(fā)，提高經營水平和完善公司治理結構。其次要加大政府的支持力度，并且完善金融配套政策，給村鎮(zhèn)銀行創(chuàng)造良好的發(fā)展環(huán)境。
[Abstract]:Village bank is in the construction of a new socialist countryside under the background of the proposed.To support the construction of a new socialist countryside, there must be a sound, competitive rural financial system to support.The village bank is to serve the local, serve the "three rural" as the purpose, let agriculture, this weak industry under the support of the bank as soon as possible to upgrade, let the rural economy develop healthily.The establishment of village bank is based on farmers and small and medium-sized enterprises, leading the capital to return to the countryside, thus promoting the improvement of the whole financial ecological environment.The establishment of village banks is of great significance and provides useful experience and lessons for the reform of rural financial system.Starting from the basic situation of Wugang Village Bank, this paper analyzes the ownership structure, internal governance mechanism and management status, and affirms its rapid development in the past two years.However, through the empirical method to test the operating performance of Wugang Village Bank, the paper analyzes the profitability, sustainable development, risk control and the degree of regional economic development.The conclusion is that the village bank of Wugang contractor has serious shortage of profitability and lack of sustainable development.The operating difficulties of Wugang contractor Village Bank are mainly reflected in the difficulty of business development and the high degree of risk concentration. The main reasons are the internal reasons for the unclear market positioning and the defects in corporate governance, and the external reasons for the lack of fiscal and financial policies.In order to improve the management of village banks, we should solve them from both internal and external aspects.First of all, from the village banks themselves, improve the level of management and improve corporate governance structure.Secondly, it is necessary to strengthen the government's support and improve the financial supporting policies to create a good development environment for the village banks.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

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本文編號：1734046