【摘要】：目前，以村鎮(zhèn)銀行為主體的新型農(nóng)村金融機(jī)構(gòu)在有效解決我國現(xiàn)有農(nóng)村區(qū)域銀行業(yè)金融機(jī)構(gòu)覆蓋率低、金融服務(wù)缺失、競爭不充分、金融供給不足等問題方面正發(fā)揮著日益重要的積極作用。但是，村鎮(zhèn)銀行在發(fā)展過程中依然存在不少問題。一方面是由于自身成立時間較短，內(nèi)部機(jī)制還不夠成熟；另一方面在于我國農(nóng)業(yè)經(jīng)濟(jì)具有收益小、風(fēng)險大等一系列特點，客觀上造成了村鎮(zhèn)銀行在市場服務(wù)與自身收益方面存在巨大偏差，嚴(yán)重干擾了其未來的發(fā)展方向和市場定位。因此，如何解決好村鎮(zhèn)銀行在當(dāng)前發(fā)展中所存在的問題以及尋求適合自身的發(fā)展道路，是振興實體經(jīng)濟(jì)產(chǎn)業(yè)和新農(nóng)村建設(shè)的一項重要研究課題。 本文以我國村鎮(zhèn)銀行為研究對象，主要側(cè)重于其在發(fā)展過程中所存在的問題以及相關(guān)對策的研究。首先，簡單概述了我國村鎮(zhèn)銀行的發(fā)展現(xiàn)狀，并通過與農(nóng)村商業(yè)銀行、城市商業(yè)銀行進(jìn)行對比分析，，揭示了村鎮(zhèn)銀行的主要特點；其次，對其發(fā)展過程中存在的相關(guān)問題進(jìn)行了系統(tǒng)剖析，發(fā)現(xiàn)村鎮(zhèn)銀行在股權(quán)結(jié)構(gòu)、支付結(jié)算系統(tǒng)、市場定位以及吸儲能力等方面存在不足；再次，總結(jié)了尤努斯銀行模式在支農(nóng)服務(wù)中取得的經(jīng)驗與教訓(xùn)，并著重提出了我國村鎮(zhèn)銀行應(yīng)該如何權(quán)衡市場機(jī)制與政府監(jiān)管的關(guān)系；最后，針對我國村鎮(zhèn)銀行所存在的問題，在借鑒國際經(jīng)驗的基礎(chǔ)上，分別從淡化發(fā)起行制度、構(gòu)建多元化融資渠道、統(tǒng)一支付結(jié)算平臺、矯正市場定位以及完善農(nóng)村金融生態(tài)環(huán)境等方面提出了具體對策。
[Abstract]:At present, the new rural financial institutions with village banks as the main body are playing an increasingly important and positive role in effectively solving the problems of low coverage rate, lack of financial services, inadequate competition and insufficient financial supply of the existing rural banking institutions in China. On the one hand, the internal mechanism is not mature enough because of its short establishment time; on the other hand, the agricultural economy of our country has a series of characteristics, such as small income, high risk, etc., which objectively caused a huge deviation in the market service and self-income of village banks, seriously interfering with its future development direction and market positioning. Therefore, how to solve the problems existing in the current development of village banks and find a suitable way for their own development is an important research topic for the revitalization of the real economic industry and the construction of new countryside.
In this paper, the rural banks in China as the research object, mainly focusing on the problems in the development process and related countermeasures. First of all, a brief overview of the development status of rural banks in China, and through a comparative analysis with rural commercial banks, urban commercial banks, revealed the main characteristics of rural banks; second, on the rural banks. In the process of its development, the related problems are systematically analyzed, and it is found that there are some shortcomings in the ownership structure, payment and settlement system, market positioning and storage capacity of village banks. Thirdly, the paper summarizes the experience and lessons of Yunus'bank model in supporting agriculture services, and puts forward emphatically how the village banks should be empowered in China. Finally, in view of the problems existing in our country's rural banks, and on the basis of drawing lessons from international experience, this paper puts forward concrete countermeasures from diluting the initiating bank system, constructing diversified financing channels, unifying the payment and settlement platform, rectifying the market positioning and improving the rural financial ecological environment.
【學(xué)位授予單位】：河北大學(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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