本文選題：農(nóng)村金融 + 發(fā)展策略　； 參考：《云南師范大學(xué)》2013年碩士論文

【摘要】：目前我國農(nóng)村地區(qū)金融體系尚不健全,機構(gòu)網(wǎng)點覆蓋率低，，金融資源供給不足，市場競爭不充分等問題較為突出。為推動農(nóng)村金融改革深化,銀監(jiān)會主導(dǎo)引入增量因素，使具有低門檻、多元化資金來源、靈活多樣股權(quán)與治理結(jié)構(gòu)的村鎮(zhèn)銀行進入農(nóng)村金融市場。村鎮(zhèn)銀行的成立是我國農(nóng)村金融體制深化改革的有效途徑,是農(nóng)村金融創(chuàng)新的結(jié)果,必將一定程度上緩解農(nóng)村地區(qū)金融服務(wù)的供需矛盾，也是目前農(nóng)村金融研究的重要課題之一。 本文采用宏觀分析與微觀分析相結(jié)合的方式,首先闡述了農(nóng)村金融理論及組建村鎮(zhèn)銀行理論基礎(chǔ)以及國外鄉(xiāng)鎮(zhèn)銀行和社區(qū)銀行的成功經(jīng)驗；然后通過分析大理渝農(nóng)商村鎮(zhèn)銀行的發(fā)展現(xiàn)狀,總結(jié)村鎮(zhèn)銀行的發(fā)展優(yōu)勢,證明村鎮(zhèn)銀行是可以存活的,是可以在農(nóng)村區(qū)域經(jīng)濟中發(fā)揮積極作用的。同時針對大理渝農(nóng)商村鎮(zhèn)銀行發(fā)展中存在的內(nèi)部和外部問題,找出相應(yīng)的解決辦法；最后運用SWOT分析方法,全面分析了村鎮(zhèn)銀行的優(yōu)勢、劣勢、機會和威脅,進而提出了大理渝農(nóng)商村鎮(zhèn)銀行持續(xù)穩(wěn)健發(fā)展的策略建議。
[Abstract]:At present, the financial system in rural areas is not perfect, the coverage of institutions is low, the supply of financial resources is insufficient, the market competition is insufficient and so on. In order to promote the deepening of rural financial reform, CBRC led the introduction of incremental factors, so that the rural banks with low threshold, diversified sources of funds, flexible and diverse equity and governance structure into the rural financial market. The establishment of village bank is an effective way to deepen the reform of rural financial system and the result of rural financial innovation, which will alleviate the contradiction between supply and demand of financial services in rural areas to a certain extent. It is also one of the important subjects in rural finance research. In this paper, the combination of macro analysis and micro analysis is adopted. Firstly, the theory of rural finance and the theoretical basis of setting up village and town banks, as well as the successful experiences of foreign township banks and community banks are expounded. Then through the analysis of the development status of Dali Chongqing Rural Bank, summed up the advantages of village bank development, proved that the village bank can survive, can play an active role in the rural regional economy. At the same time, aiming at the internal and external problems existing in the development of Dali Chongqing Rural Bank, the corresponding solutions are found. Finally, the advantages, disadvantages, opportunities and threats of village banks are comprehensively analyzed by using SWOT analysis method. And then put forward the Dali Chongqing village bank of agricultural and commercial sustainable and steady development of the strategic recommendations.
【學(xué)位授予單位】：云南師范大學(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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