【摘要】：隨著農(nóng)村經(jīng)濟(jì)的不斷發(fā)展,國(guó)家對(duì)“三農(nóng)”問(wèn)題更加重視,政府加大了對(duì)縣域農(nóng)村金融機(jī)構(gòu)的改革。但是農(nóng)村金融市場(chǎng)的薄弱和信用環(huán)境的不穩(wěn)定,使正處于轉(zhuǎn)型階段的農(nóng)村金融機(jī)構(gòu),既受到傳統(tǒng)管理模式和經(jīng)營(yíng)方式的制約,又面臨金融體制的約束等問(wèn)題。本文針對(duì)星沙農(nóng)村商業(yè)銀行如何突破傳統(tǒng)發(fā)展模式,更好的服務(wù)“三農(nóng)”和實(shí)現(xiàn)自身的可持續(xù)發(fā)展這一課題展開(kāi)討論。 本文首先回顧了國(guó)內(nèi)外農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀,對(duì)農(nóng)村金融的理論進(jìn)行了介紹,以星沙農(nóng)村商業(yè)銀行為研究對(duì)象,討論改革中存在的貸款營(yíng)銷形勢(shì)的被動(dòng)性,行業(yè)發(fā)展的不均衡性以及管理理念和服務(wù)技能的單一性等主要問(wèn)題,分析其形成的原因,并對(duì)農(nóng)村商業(yè)銀行的金融體制、資產(chǎn)重組、法制建設(shè)、經(jīng)營(yíng)機(jī)制與管理模式、信用壞境等方面提出建議和對(duì)策。 本文的創(chuàng)新點(diǎn)是：1.對(duì)比了星沙農(nóng)村商業(yè)銀行改革前后的經(jīng)營(yíng)狀況,分析潛在風(fēng)險(xiǎn),提出了星沙農(nóng)村商業(yè)銀行的最佳發(fā)展模式是建立起適合農(nóng)村區(qū)域經(jīng)濟(jì)發(fā)展的運(yùn)營(yíng)模式。2.明確改革所遵循的宗旨。本文為農(nóng)村商業(yè)銀行的可持續(xù)發(fā)展以及農(nóng)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(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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