本文選題：村鎮(zhèn)銀行 + 瓶頸　； 參考：《石河子大學(xué)》2016年碩士論文

【摘要】：長(zhǎng)期以來(lái),新疆第一產(chǎn)業(yè)增加值占國(guó)民生產(chǎn)總值的比例都高于全國(guó)水平,近年來(lái)第一產(chǎn)業(yè)增加值才逐漸降低,但仍然處于高位。與此同時(shí),大部分的縣域地區(qū)和農(nóng)牧團(tuán)場(chǎng)地區(qū)金融服務(wù)機(jī)構(gòu)只有農(nóng)村信用社和農(nóng)業(yè)銀行,還有許多農(nóng)牧團(tuán)場(chǎng)地區(qū)依然是銀行服務(wù)的空白區(qū),新疆農(nóng)業(yè)發(fā)展的資金需求與金融服務(wù)機(jī)構(gòu)不足的矛盾卻日益突出,農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展迫切需要農(nóng)村金融體制的改革與完善。近年來(lái)中央大力支持新疆的經(jīng)濟(jì)社會(huì)發(fā)展,鼓勵(lì)有條件的股份制銀行在新疆設(shè)立村鎮(zhèn)銀行,加大金融支持新疆的小微企業(yè)發(fā)展和“三農(nóng)”的信貸服務(wù)支持力度,石河子村鎮(zhèn)銀行應(yīng)運(yùn)而生。自2011年成立以來(lái),經(jīng)歷了4年多的發(fā)展,石河子交銀村鎮(zhèn)銀行活躍了石河子地區(qū)的金融市場(chǎng),經(jīng)營(yíng)能力日益提高,涉農(nóng)資金支持力度逐步加大,網(wǎng)點(diǎn)逐漸增多,存貸款規(guī)模日益壯大,為石河子地區(qū)的經(jīng)濟(jì)發(fā)展做出了一定的貢獻(xiàn)。但是作為規(guī)模不大的地方性法人金融機(jī)構(gòu),石河子交銀村鎮(zhèn)銀行的發(fā)展還存在各種各樣的問(wèn)題,如何克服自身瓶頸實(shí)現(xiàn)創(chuàng)新可持續(xù)發(fā)展,是其面臨的重要問(wèn)題。文章立足于石河子市當(dāng)前經(jīng)濟(jì)金融形式,著重分析石河子交銀村鎮(zhèn)銀行經(jīng)營(yíng)狀況、資產(chǎn)質(zhì)量和盈利能力以及支農(nóng)信貸情況,并通過(guò)調(diào)查研究全面探討制約其發(fā)展的瓶頸因素,提出石河子交銀村鎮(zhèn)銀行創(chuàng)新穩(wěn)健發(fā)展的對(duì)策建議。本文首先研究了石河子交銀村鎮(zhèn)銀行的發(fā)展現(xiàn)狀,從組織結(jié)構(gòu)情況、經(jīng)營(yíng)業(yè)務(wù)、宣傳營(yíng)銷現(xiàn)狀和政策支持情況四方面簡(jiǎn)述了石河子交銀村鎮(zhèn)銀行的基本情況;然后從存貸款情況、資產(chǎn)質(zhì)量、盈利情況和支農(nóng)狀況等全面分析石河子交銀村鎮(zhèn)銀行的業(yè)務(wù)發(fā)展現(xiàn)狀;進(jìn)一步從其自身在管理體系、業(yè)務(wù)及產(chǎn)品創(chuàng)新、技術(shù)手段和人才隊(duì)伍建設(shè)以及自身競(jìng)爭(zhēng)力弱等五方面深入分析了制約石河子交銀村鎮(zhèn)銀行發(fā)展的瓶頸因素;然后借鑒浙商銀行和網(wǎng)商銀行發(fā)展的特色經(jīng)驗(yàn),對(duì)比找出石河子交銀村鎮(zhèn)銀行存在的短板,最后提出石河子交銀村鎮(zhèn)銀行發(fā)展的對(duì)策與建議。最終認(rèn)為石河子交銀村鎮(zhèn)銀行首先要明確立足于服務(wù)農(nóng)村的發(fā)展思路和突出特色的發(fā)展原則,通過(guò)改革自身管理機(jī)制、強(qiáng)化風(fēng)險(xiǎn)管理、拓展中間業(yè)務(wù)與零售業(yè)務(wù)、加強(qiáng)產(chǎn)品創(chuàng)新、加快系統(tǒng)建設(shè)、完善人才管理、資源節(jié)約化的擴(kuò)張模式和加大宣傳力度共八項(xiàng)措施來(lái)推進(jìn)石河子交銀村鎮(zhèn)銀行的全面可持續(xù)發(fā)展。
[Abstract]:For a long time, the ratio of the added value of the primary industry to the gross national product in Xinjiang has been higher than that of the whole country. In recent years, the added value of the first industry has gradually decreased, but it is still at a high level. At the same time, most county areas and farming and pastoral areas have only rural credit cooperatives and the Agricultural Bank of China as the only financial service institutions, and many agricultural and pastoral farm areas are still blank areas for banking services. However, the contradiction between the fund demand of Xinjiang agricultural development and the shortage of financial service institutions is increasingly prominent. The development of agricultural economy urgently needs the reform and perfection of the rural financial system. In recent years, the central government has vigorously supported the economic and social development of Xinjiang, encouraged qualified joint-stock banks to set up village and town banks in Xinjiang, and increased financial support for the development of small and micro enterprises in Xinjiang and the support of credit services for agriculture, rural areas and farmers. Shihezi Village Bank emerged as the times require. Since its establishment in 2011, after more than four years of development, Shihezi Jiaoyin Village Bank has been active in the financial market in Shihezi area, and its management ability has been increasing day by day, the support for agricultural funds has been gradually increased, and the network has gradually increased. The growing scale of deposits and loans has contributed to the economic development of Shihezi region. However, as a small local legal person financial institution, there are still various problems in the development of Shihezi Jiaoyin Village Bank. How to overcome its own bottlenecks to achieve innovative and sustainable development is an important problem it faces. Based on the current economic and financial situation of Shihezi City, this paper focuses on the analysis of bank management, asset quality, profitability and supporting agricultural credit situation of Shihezi Jiaoyin Village Bank, and discusses the bottleneck factors restricting its development through investigation and study. Put forward Shihezi Jiaoyin Village Bank innovation and steady development of countermeasures and suggestions. This paper first studies the development of Shihezi Jiaoyin Village Bank, and describes the basic situation of Shihezi Jiaoyin Village Bank from four aspects: organizational structure, business, marketing and policy support. Then, from the aspects of deposit and loan situation, asset quality, profit situation and support for agriculture, the business development status of Shihezi Jiaoyin Village Bank is comprehensively analyzed; and further, from its own management system, business and product innovation, This paper deeply analyzes the bottleneck factors that restrict the development of Shihezi Jiaoyin Village Bank from five aspects, such as technical means, talent team construction and weak competitiveness, and then draws lessons from the characteristics of the development of Zhejiang Merchants Bank and Internet Merchants Bank. Finally, the author puts forward the countermeasures and suggestions for the development of Shihezi Jiaoyin Village Bank. Finally, the author thinks that Shihezi Jiaoyin Village Bank should first of all clearly base itself on the development thinking of serving rural areas and highlight the development principle of characteristics, through reforming its own management mechanism, strengthening risk management, expanding intermediate business and retail business. There are eight measures to promote the overall sustainable development of Shihezi Jiaoyin Village Bank, such as strengthening product innovation, speeding up system construction, perfecting talent management, saving resources and increasing propaganda.
【學(xué)位授予單位】：石河子大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.35
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本文編號(hào)：1964507