【摘要】：我國大部分農(nóng)村地區(qū)處于“資金缺乏”的現(xiàn)狀,導(dǎo)致農(nóng)業(yè)投資不足,發(fā)展比較緩慢,作為全國經(jīng)濟中心之一的四川省,農(nóng)村金融發(fā)展同樣面臨著資金缺乏的現(xiàn)狀,農(nóng)村金融作為現(xiàn)代農(nóng)村經(jīng)濟的核心,成為激活農(nóng)村金融環(huán)境對農(nóng)村的發(fā)展的關(guān)鍵性因素。四川省近年來極力改變這一現(xiàn)狀,開始村鎮(zhèn)銀行試點,并逐年增加,經(jīng)多年運營證明,村鎮(zhèn)銀行對解決四川地區(qū)農(nóng)村地區(qū)資金短缺,金融支持力度不足和農(nóng)村經(jīng)濟發(fā)展做出了貢獻,然而四川地區(qū)村鎮(zhèn)銀行正面臨著市場定位異化、金融創(chuàng)新不足,配套設(shè)施不完善金融環(huán)境不透明等難題。村鎮(zhèn)銀行發(fā)展現(xiàn)狀及障礙因素分析,能否增加農(nóng)村地區(qū)的資金需求,將成為推動我國農(nóng)村地區(qū)經(jīng)濟金融發(fā)展的關(guān)鍵。因此,本研究對村鎮(zhèn)銀行發(fā)展具有現(xiàn)實意義。本文首先歸納總結(jié)村鎮(zhèn)銀行研究背景、研究目的和意義,其次回顧了國內(nèi)外相關(guān)的基礎(chǔ)理論研究,在概念上對村鎮(zhèn)銀行進行了界定,明確了建設(shè)村鎮(zhèn)銀行建設(shè)的條件和具體標(biāo)準(zhǔn)。接下來以德陽村鎮(zhèn)銀行為代表進行實例分析,分別從德陽地區(qū)社會經(jīng)濟發(fā)展概況、經(jīng)濟發(fā)展態(tài)勢、農(nóng)村金融市場等方面進行調(diào)研。在此基礎(chǔ)上重點運用SWOT分析法分析德陽市村鎮(zhèn)銀行發(fā)展的優(yōu)勢、劣勢、機遇及挑戰(zhàn),并得出戰(zhàn)略組合分析圖上定位,得出德陽村鎮(zhèn)銀行適合多種經(jīng)營式戰(zhàn)略發(fā)展模式。在此基礎(chǔ)上,本文提出如下建議：德陽市村鎮(zhèn)銀行需明確三農(nóng)服務(wù)定位,大力發(fā)揮村鎮(zhèn)銀行優(yōu)勢;創(chuàng)新金融服務(wù)渠道模式,擴大村鎮(zhèn)銀行服務(wù)半徑；加強自身建設(shè),破解資本流失難題：創(chuàng)新金融產(chǎn)品,提高服務(wù)能力；嚴格招聘條件,提高人員素質(zhì)；分類差異化指導(dǎo),防范村鎮(zhèn)銀行經(jīng)營風(fēng)險;完善政策扶持體系,促進村鎮(zhèn)銀行可持續(xù)發(fā)展,通過以上對策豐富和完善德陽農(nóng)村金融體系,以促進德陽區(qū)農(nóng)村金融經(jīng)濟的持續(xù)、穩(wěn)定、健康發(fā)展提供一定的依據(jù)。
[Abstract]:Most rural areas in our country are in the situation of "lack of funds", which leads to insufficient investment in agriculture and relatively slow development. As one of the economic centers of the country, Sichuan Province, the rural financial development is also facing the current situation of lack of funds. As the core of modern rural economy, rural finance has become the key factor to activate the rural financial environment. In recent years, Sichuan Province has tried its best to change this situation and started the pilot project of village and town banks, which has been increasing year by year. After years of operation, village and town banks have proved to be effective in solving the shortage of funds in rural areas in Sichuan. The lack of financial support and the rural economic development have contributed to the development of the rural economy. However, the village and town banks in Sichuan are facing the problems of market orientation alienation, insufficient financial innovation, imperfect supporting facilities, opaque financial environment, and so on. The analysis of the present situation and obstacle factors of the development of village banks will be the key to promote the development of economy and finance in rural areas. Therefore, this research has the realistic significance to the village bank development. Firstly, this paper summarizes the background, purpose and significance of village bank research, then reviews the basic theoretical research at home and abroad, and defines the concept of village bank. Clear the construction of village and town bank construction conditions and specific standards. Then the Deyang Village Bank as a representative of the case analysis, respectively from the Deyang area socio-economic development situation, rural financial markets and other aspects of research. On this basis, the paper analyzes the advantages, disadvantages, opportunities and challenges of the development of Deyang Village Bank by using SWOT analysis method, and draws the position on the strategic combination analysis diagram, and concludes that the Deyang Village Bank is suitable for the diversified strategic development model. On this basis, this paper puts forward the following suggestions: Deyang Village Bank needs to define the orientation of rural, rural and rural services, give full play to the advantages of rural banks; innovate the financial service channel model, expand the radius of rural bank services; strengthen its own construction. Solving the problem of capital loss: innovating financial products, improving service ability, strictly recruiting conditions, improving the quality of personnel, classifying differentiation guidance, preventing the risk of village bank management, perfecting the policy support system, promoting the sustainable development of village bank, The above countermeasures enrich and perfect the rural financial system of Deyang, in order to promote the sustained, stable and healthy development of the rural financial economy in Deyang.
【學(xué)位授予單位】：四川農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.35

【參考文獻】

相關(guān)期刊論文 前10條

1 賀貽;李季剛;;淺析我國村鎮(zhèn)銀行的發(fā)展[J];經(jīng)濟論壇;2014年11期

2 于鳳芹;;村鎮(zhèn)銀行的市場錯位及應(yīng)對策略分析——來自山東省的調(diào)查[J];山東工商學(xué)院學(xué)報;2014年05期

3 周立;李萌;;以普惠導(dǎo)向深化農(nóng)村金融改革[J];行政管理改革;2013年12期

4 楊成名;;農(nóng)村合作金融結(jié)構(gòu)中間業(yè)務(wù)發(fā)展的障礙與對策[J];金融教育研究;2013年05期

5 許華榮;;村鎮(zhèn)銀行可持續(xù)發(fā)展探討[J];學(xué)理論;2012年27期

6 高傳華;;村鎮(zhèn)銀行制約因素與發(fā)展路徑選擇[J];中國國情國力;2012年05期

7 蔣致遠;呂海英;朱名軍;;“反哺”滲透農(nóng)村金融改革和創(chuàng)新[J];經(jīng)濟研究導(dǎo)刊;2012年07期

8 潘林;;村鎮(zhèn)銀行發(fā)展的九個兩難選擇[J];農(nóng)村金融研究;2011年11期

9 沙曼;;我國村鎮(zhèn)銀行的現(xiàn)狀與發(fā)展對策[J];農(nóng)業(yè)經(jīng)濟;2011年11期

10 廖繼偉;;村鎮(zhèn)銀行經(jīng)營行為趨勢與發(fā)展方向——基于對四川省村鎮(zhèn)銀行的實證分析[J];現(xiàn)代經(jīng)濟探討;2010年12期

，

本文編號：2234920