星沙農村商業(yè)銀行發(fā)展存在的問題及對策研究
發(fā)布時間：2018-12-16 02:03
【摘要】：隨著農村經濟的不斷發(fā)展,國家對“三農”問題更加重視,政府加大了對縣域農村金融機構的改革。但是農村金融市場的薄弱和信用環(huán)境的不穩(wěn)定,使正處于轉型階段的農村金融機構,既受到傳統(tǒng)管理模式和經營方式的制約,又面臨金融體制的約束等問題。本文針對星沙農村商業(yè)銀行如何突破傳統(tǒng)發(fā)展模式,更好的服務“三農”和實現(xiàn)自身的可持續(xù)發(fā)展這一課題展開討論。 本文首先回顧了國內外農村金融機構的發(fā)展現(xiàn)狀,對農村金融的理論進行了介紹,以星沙農村商業(yè)銀行為研究對象,討論改革中存在的貸款營銷形勢的被動性,行業(yè)發(fā)展的不均衡性以及管理理念和服務技能的單一性等主要問題,分析其形成的原因,并對農村商業(yè)銀行的金融體制、資產重組、法制建設、經營機制與管理模式、信用壞境等方面提出建議和對策。 本文的創(chuàng)新點是：1.對比了星沙農村商業(yè)銀行改革前后的經營狀況,分析潛在風險,提出了星沙農村商業(yè)銀行的最佳發(fā)展模式是建立起適合農村區(qū)域經濟發(fā)展的運營模式。2.明確改革所遵循的宗旨。本文為農村商業(yè)銀行的可持續(xù)發(fā)展以及農村新的金融環(huán)境的建立探索出一條新的道路。
[Abstract]:With the development of rural economy, the government pays more attention to the problems of "agriculture, countryside and farmers", and the government has increased the reform of rural financial institutions in county area. However, the weakness of the rural financial market and the instability of the credit environment make the rural financial institutions in the transition stage, which are not only restricted by the traditional management mode and management mode, but also faced with the constraints of the financial system. This paper discusses how Xingsha Rural Commercial Bank can break through the traditional development model, better serve the "three rural areas" and realize its own sustainable development. This paper first reviews the development of rural financial institutions at home and abroad, introduces the theory of rural finance, and discusses the passive role of loan marketing situation in the reform, taking Xingsha Rural Commercial Bank as the research object. The main problems such as the imbalance of industry development and the singularity of management idea and service skill are analyzed, and the reasons for its formation are analyzed, and the financial system, asset reorganization, legal system construction, management mechanism and management mode of rural commercial banks are analyzed. Some suggestions and countermeasures are put forward in respect of the bad credit situation. The innovation of this paper is as follows: 1. This paper compares the operating conditions of Xingsha Rural Commercial Bank before and after the reform, analyzes the potential risks, and puts forward that the best development mode of Xingsha Rural Commercial Bank is to establish a suitable operation model for rural regional economic development. 2. Define the purpose of the reform. This paper explores a new way for the sustainable development of rural commercial banks and the establishment of new financial environment in rural areas.
【學位授予單位】：湖南農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
本文編號：2381668
[Abstract]:With the development of rural economy, the government pays more attention to the problems of "agriculture, countryside and farmers", and the government has increased the reform of rural financial institutions in county area. However, the weakness of the rural financial market and the instability of the credit environment make the rural financial institutions in the transition stage, which are not only restricted by the traditional management mode and management mode, but also faced with the constraints of the financial system. This paper discusses how Xingsha Rural Commercial Bank can break through the traditional development model, better serve the "three rural areas" and realize its own sustainable development. This paper first reviews the development of rural financial institutions at home and abroad, introduces the theory of rural finance, and discusses the passive role of loan marketing situation in the reform, taking Xingsha Rural Commercial Bank as the research object. The main problems such as the imbalance of industry development and the singularity of management idea and service skill are analyzed, and the reasons for its formation are analyzed, and the financial system, asset reorganization, legal system construction, management mechanism and management mode of rural commercial banks are analyzed. Some suggestions and countermeasures are put forward in respect of the bad credit situation. The innovation of this paper is as follows: 1. This paper compares the operating conditions of Xingsha Rural Commercial Bank before and after the reform, analyzes the potential risks, and puts forward that the best development mode of Xingsha Rural Commercial Bank is to establish a suitable operation model for rural regional economic development. 2. Define the purpose of the reform. This paper explores a new way for the sustainable development of rural commercial banks and the establishment of new financial environment in rural areas.
【學位授予單位】：湖南農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
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