發(fā)布時間：2018-11-20 12:59

【摘要】：黨的十八大報告明確提出：堅持走中國特色新型工業(yè)化、信息化、城鎮(zhèn)化、農(nóng)業(yè)現(xiàn)代化道路；這將成為我國今后經(jīng)濟的增長和社會發(fā)展提供強大引擎,同時也是推動我國城鄉(xiāng)一體化發(fā)展、解決“三農(nóng)”問題的根本途徑。支持新型城鎮(zhèn)化建設、推動城鄉(xiāng)一體化建設和解決“三農(nóng)”必須要有一個開放性、有序性和競爭性的多元化農(nóng)村金融體系來支撐。2006年我國開始農(nóng)村金融增量改革,新設立了一項新型農(nóng)村金融機構--村鎮(zhèn)銀行,作為我國農(nóng)村金融市場增量式改革的重要內(nèi)容,村鎮(zhèn)銀行被賦予了“補位”和“激活”農(nóng)村金融市場的歷史重任；但村鎮(zhèn)銀行作為新生事物的金融機構在賦予歷史重任的同時,其前提條件是要實現(xiàn)自身的可持續(xù)發(fā)展,村鎮(zhèn)銀行作為新型的農(nóng)村金融機構,由于其成立的時間不長,自身發(fā)展的管理不足和相關發(fā)展配套措施還存在不夠完善的地方,這將影響到我國村鎮(zhèn)銀行自身的可持續(xù)發(fā)展和肩負的歷史使命。 通過引入博弈理論對村鎮(zhèn)銀行的相關利益主體進行分析,從而尋找到影響我國村鎮(zhèn)銀行可持續(xù)發(fā)展的因素,并就其影響因素提出相關的對策。首先在查閱、收集、整理和學習國內(nèi)外學者關于博弈理論、可持續(xù)發(fā)展理論、金融監(jiān)管和金融創(chuàng)新理論的基礎上,通過總結(jié)國內(nèi)外學者關于村鎮(zhèn)銀行可持續(xù)發(fā)展的研究方法和取得的研究成果,然后詳細介紹我國村鎮(zhèn)銀行成立的背景和發(fā)展現(xiàn)狀,再運用博弈論的方法具體分析村鎮(zhèn)銀行與農(nóng)戶及中小企業(yè)、政府監(jiān)管部門和其他農(nóng)村金融機構間的利益關系,得出影響我國村鎮(zhèn)銀行可持續(xù)發(fā)展的因素有我國農(nóng)村信用體系缺失、村鎮(zhèn)銀行資金來源受限、村鎮(zhèn)銀行監(jiān)管體制和政策環(huán)境不健全、村鎮(zhèn)銀行支付結(jié)算體系不健全、村鎮(zhèn)銀行有效金融產(chǎn)品不足和村鎮(zhèn)銀行市場定位偏離目標等；最后從完善我國農(nóng)村信用擔保體系建設、拓寬村鎮(zhèn)銀行資金來源、完善村鎮(zhèn)監(jiān)管體制及加大政策支持力度、完善村鎮(zhèn)銀行支付結(jié)算體系、資金金融產(chǎn)品供給和明確村鎮(zhèn)銀行市場定位等方面提出了我國村鎮(zhèn)銀行可持續(xù)發(fā)展的對策。
[Abstract]:The report of the 18th National Congress of the Communist Party of China clearly put forward: adhere to the new industrialization with Chinese characteristics, information, urbanization, agricultural modernization; This will be a powerful engine for economic growth and social development in the future, and also a fundamental way to promote the integration of urban and rural areas in China and to solve the problems of "three rural areas". To support the construction of new urbanization, to promote urban-rural integration and to solve the problem of "agriculture, countryside and farmers", we must have an open, orderly and competitive diversified rural financial system. A new rural financial institution, Village Bank, has been set up. As an important part of incremental reform of rural financial market, village bank has been entrusted with the historical responsibility of "replenishing position" and "activating" rural financial market. However, as the financial institution of the new things, the village bank is endowed with a heavy historical responsibility, and its prerequisite is to realize its own sustainable development. As a new type of rural financial institution, the village bank is not established for a long time. The insufficient management of self-development and the relative measures of supporting development are not perfect, which will affect the sustainable development and historical mission of our country's village banks. Through the introduction of game theory to the relevant stakeholders of village banks to find out the factors that affect the sustainable development of rural banks in China and put forward the relevant countermeasures. First of all, on the basis of consulting, collecting, sorting out and studying the theories of game theory, sustainable development theory, financial supervision and financial innovation, By summarizing the research methods and achievements of the scholars at home and abroad on the sustainable development of village banks, the background and development status of the establishment of village banks in China are introduced in detail. Then using the method of game theory to analyze the relationship between rural banks and farmers, small and medium-sized enterprises, government supervision departments and other rural financial institutions. The factors that affect the sustainable development of rural banks in China are the lack of rural credit system, the limited source of funds, the imperfect supervision system and policy environment, the imperfect payment and settlement system of rural banks. Lack of effective financial products of village bank and deviation of market orientation of village bank; Finally, from perfecting the construction of rural credit guarantee system in our country, widening the fund source of village bank, perfecting the supervision system of village and town and increasing policy support, perfecting the payment and settlement system of village bank. This paper puts forward the countermeasures of sustainable development of village banks in China from the aspects of supply of funds and financial products and clear market orientation of village banks.
【學位授予單位】：中南林業(yè)科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35;F224.32

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