本文選題：村鎮(zhèn)銀行 + 發(fā)展戰(zhàn)略　； 參考：《內(nèi)蒙古大學》2013年碩士論文

【摘要】：為了完善我國農(nóng)村金融體系,提升農(nóng)村金融對農(nóng)村經(jīng)濟的支持作用,我國村鎮(zhèn)銀行突破原有金融機構(gòu)設立屏障,廣泛吸收社會資本,在中國廣袤的縣域和鄉(xiāng)鎮(zhèn)生根發(fā)芽,通過不斷的探索,取得了顯著的發(fā)展成就,并對縣域經(jīng)濟和三農(nóng)發(fā)展產(chǎn)生了積極的影響。然而,由于村鎮(zhèn)銀行還屬于新生事物,在發(fā)展過程中逐漸暴露出許多困難和問題,如何有效突破發(fā)展障礙,促進村鎮(zhèn)銀行實現(xiàn)持續(xù)健康發(fā)展,已成為目前農(nóng)村金融的一個重要課題。 本文基于對這一問題的思考展開論述,由于目前在全國范圍內(nèi)已設立的村鎮(zhèn)銀行已達到近1500家,每一家村鎮(zhèn)銀行都具有獨立的法人資格,經(jīng)營發(fā)展狀況不一,且所在地域的經(jīng)濟金融情況和社會環(huán)境也不盡相同,因此僅從宏觀角度對我國村鎮(zhèn)銀行的整體情況進行分析難以得出具有實際指導意義的理論。為此,本文選擇對金谷村鎮(zhèn)銀行進行實例分析,進而指導金谷村鎮(zhèn)銀行實際工作,并在此基礎(chǔ)上為我國村鎮(zhèn)銀行發(fā)展提供范例和典型經(jīng)驗。 金谷村鎮(zhèn)銀行均由呼和浩特金谷農(nóng)村合作銀行發(fā)起,在體制機制、經(jīng)營策略、所在地域特征等許多方面均有相似性。本文首先對金谷村鎮(zhèn)銀行所在的主要地域,即內(nèi)蒙古地區(qū)的金融市場環(huán)境和村鎮(zhèn)銀行發(fā)展狀況進行了闡述,分析了內(nèi)蒙古地域環(huán)境中村鎮(zhèn)銀行發(fā)展所面臨的主要內(nèi)外部制約因素,這對進一步研究金谷村鎮(zhèn)銀行具有宏觀指導作用。之后,論文對金谷村鎮(zhèn)銀行的主發(fā)起銀行進行了介紹,并分析了金谷銀行發(fā)起設立金谷村鎮(zhèn)銀行的原因,進而引入金谷村鎮(zhèn)銀行,對其發(fā)展現(xiàn)狀進行了詳細闡釋,在總結(jié)經(jīng)驗的同時深入挖掘目前金谷村鎮(zhèn)銀行在經(jīng)營管理中存在的主要問題。為了提出解決問題的措施和方案,本文細致分析了金谷村鎮(zhèn)銀行的內(nèi)部優(yōu)勢、劣勢和外部機會、威脅,并認真研究了金谷村鎮(zhèn)銀行的市場定位,通過對這些實際情況的綜合分析,確定了金谷村鎮(zhèn)銀行應采取專業(yè)化、精細化的發(fā)展戰(zhàn)略。在長遠戰(zhàn)略思想的指導下,本文最終提出法人治理完善、經(jīng)營創(chuàng)新、人力資源優(yōu)化、企業(yè)文化融合、政策爭取、搭建管理總部等六項實施策略,促進金谷村鎮(zhèn)銀行穩(wěn)健發(fā)展。
[Abstract]:In order to improve the rural financial system of our country and enhance the supporting role of rural finance to the rural economy, the village and town banks of our country have broken through the barriers set up by the existing financial institutions, absorbed social capital extensively, and have taken root in the vast counties and towns of China.Through continuous exploration, remarkable achievements have been made, and it has had a positive impact on county economy and the development of agriculture, countryside and farmers.However, as the village bank is still a new thing, it has gradually exposed many difficulties and problems in the process of development. How to effectively break through the obstacles of development and promote the sustainable and healthy development of the village bank,It has become an important subject of rural finance at present.Based on the consideration of this problem, this paper discusses that nearly 1500 village banks have been set up in the whole country at present. Each village bank has its own legal person status, and its management and development status is different.And the economic and financial situation and social environment of the region are not the same, so it is difficult to get the theory of practical guiding significance only from the macro point of view of the overall situation of the village and town banks.Therefore, this article chooses to carry on the example analysis to the Jingu village bank, then guides the actual work of the Jingu village bank, and on this basis provides the example and the typical experience for the development of the village bank of our country.Jingu Village Bank is initiated by Hohhot Jingu Rural Cooperative Bank. It is similar in many aspects, such as system mechanism, management strategy, regional characteristics and so on.Firstly, this paper expounds the financial market environment and the development of village banks in Inner Mongolia, which is the main area where Jingu Village Bank is located.This paper analyzes the main internal and external constraints on the development of village banks in Inner Mongolia, which plays a macro guiding role in the further study of Jingu Village Banks.After that, the paper introduces the main initiating bank of Jingu Village Bank, and analyzes the reasons why Jingu Village Bank was established, and then introduces Jingu Village Bank, and explains its development status in detail.At the same time, the main problems existing in the operation and management of Jingu Village Bank are deeply excavated at the same time of summing up experience.In order to put forward the measures and schemes to solve the problem, this paper analyzes the internal strengths, weaknesses, external opportunities and threats of Jingu Village Bank, and studies the market orientation of Jingu Village Bank.Through the comprehensive analysis of these practical conditions, it is determined that Jingu Village Bank should adopt the development strategy of specialization and refinement.Under the guidance of long-term strategic thought, this paper finally puts forward six implementation strategies, such as perfect corporate governance, management innovation, optimization of human resources, integration of corporate culture, policy struggle, building management headquarters, and so on, to promote the steady development of Jingu Village Bank.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

【參考文獻】

相關(guān)期刊論文 前10條

1 程昆;吳倩;儲昭東;;略論我國村鎮(zhèn)銀行市場定位及發(fā)展[J];經(jīng)濟問題;2009年02期

2 趙建玲;侯慶娟;;村鎮(zhèn)銀行:障礙因素分析與對策啟示[J];經(jīng)濟研究導刊;2010年01期

3 鄒力宏;姚瀅;;我國村鎮(zhèn)銀行的市場定位分析[J];金融與經(jīng)濟;2008年04期

4 楊曉東;常文利;;新型村鎮(zhèn)銀行運營優(yōu)勢與突出問題研究[J];蘭州學刊;2010年07期

5 阮勇;;村鎮(zhèn)銀行發(fā)展的制約因素及改善建議——從村鎮(zhèn)銀行在農(nóng)村金融市場中的定位入手[J];農(nóng)村經(jīng)濟;2009年01期

6 張蕙顯;;村鎮(zhèn)銀行經(jīng)營的挑戰(zhàn)、機遇和策略探析[J];江蘇商論;2010年01期

7 于麗紅;陳霞;;村鎮(zhèn)銀行信貸風險管理[J];生產(chǎn)力研究;2011年01期

8 侯鑫;;我國村鎮(zhèn)銀行發(fā)展的外部環(huán)境分析[J];商業(yè)文化(下半月);2011年01期

9 杜曉春;;對村鎮(zhèn)銀行金融產(chǎn)品建設的思考[J];中國合作經(jīng)濟;2010年01期

10 曹藝;才鳳玲;苗閆;;關(guān)于我國村鎮(zhèn)銀行經(jīng)營模式的現(xiàn)實思考[J];中國集體經(jīng)濟;2009年07期

，

本文編號：1771522