本文選題：村鎮(zhèn)銀行　切入點(diǎn)：農(nóng)村金融環(huán)境　出處：《海南大學(xué)》2014年碩士論文

【摘要】：近年來(lái),中國(guó)農(nóng)村經(jīng)濟(jì)快速發(fā)展,農(nóng)村經(jīng)濟(jì)突破傳統(tǒng)農(nóng)業(yè),如水產(chǎn)養(yǎng)殖和小型工業(yè)的邊界,逐步向工業(yè),建筑業(yè),運(yùn)輸和服務(wù)等行業(yè)深入。同時(shí)農(nóng)業(yè)生產(chǎn)方式也在發(fā)生深刻的變化,農(nóng)業(yè)產(chǎn)業(yè)化項(xiàng)目、農(nóng)村產(chǎn)業(yè)集群、農(nóng)村服務(wù)業(yè)集群以及各種協(xié)會(huì)、農(nóng)業(yè)合作社等多種經(jīng)營(yíng)模式如雨后春筍般的發(fā)展起來(lái),農(nóng)村經(jīng)濟(jì)的“寬度”和“深度”都得到了相當(dāng)大的提升,農(nóng)村經(jīng)濟(jì)的發(fā)展使農(nóng)村對(duì)金融服務(wù)的需求也得到了很大提高,但農(nóng)村的金融需求卻幾乎成了“被遺忘的角落”。村鎮(zhèn)銀行作為一種新型的銀行業(yè)態(tài)模式,為我國(guó)農(nóng)村的金融服務(wù)需求提供了另外的一種選擇,從2007年首家村鎮(zhèn)銀行的設(shè)立到現(xiàn)在,村鎮(zhèn)銀行在一定程度上改變了我國(guó)農(nóng)村的金融服務(wù)格局,解決了部分農(nóng)業(yè)發(fā)展過(guò)程中資金短板的問(wèn)題。 江蘇省是我國(guó)的農(nóng)業(yè)大省,但由于江蘇省地域遼闊,區(qū)域經(jīng)濟(jì)和社會(huì)發(fā)展水平方面都存在這很大的差異,導(dǎo)致對(duì)資金的需求有很大的不同。江蘇省一部分農(nóng)村地區(qū)由于市場(chǎng)化程度較高,個(gè)體經(jīng)濟(jì)迅猛發(fā)展,農(nóng)業(yè)產(chǎn)業(yè)化調(diào)整深入,已逐步形成了個(gè)體經(jīng)濟(jì)、農(nóng)業(yè)產(chǎn)業(yè)化等多種經(jīng)濟(jì)形式并存的格局。無(wú)論從人均存款還是人均貸款來(lái)看,江蘇省對(duì)資金需求均要比全國(guó)高。同時(shí),農(nóng)村地區(qū)受傳統(tǒng)理財(cái)習(xí)俗的影響較深,加上不完善的社保制度以及不匹配物價(jià)增長(zhǎng)與收入增長(zhǎng),使得江蘇省農(nóng)村地區(qū)存在著巨大的存貸差。而且江蘇省農(nóng)村新型金融機(jī)構(gòu)發(fā)展還不夠成熟,使得農(nóng)村地區(qū)大量的存貸差沒(méi)有得到充分地利用。村鎮(zhèn)銀行由于其在資源配置的作用,必將在江蘇省農(nóng)村金融體系中占據(jù)更為重要的位置。本文通過(guò)對(duì)江蘇省農(nóng)村經(jīng)濟(jì)發(fā)展情況和金融環(huán)境進(jìn)行分析,結(jié)合國(guó)外社區(qū)銀行發(fā)展的模式及經(jīng)營(yíng)理念,結(jié)合其他省份相關(guān)村鎮(zhèn)銀行發(fā)展規(guī)模、經(jīng)營(yíng)模式、股權(quán)構(gòu)成等方面的經(jīng)驗(yàn),研究江蘇省村鎮(zhèn)銀行發(fā)展的優(yōu)勢(shì)和局限性,確定江蘇省村鎮(zhèn)銀行可持續(xù)發(fā)展的路徑。同時(shí)剖析江蘇省當(dāng)前村鎮(zhèn)銀行發(fā)展現(xiàn)狀,找出其發(fā)展中存在的問(wèn)題,分析江蘇省村鎮(zhèn)銀行在產(chǎn)權(quán)結(jié)構(gòu)、成本管理、業(yè)務(wù)拓展模式、融資模式、目標(biāo)市場(chǎng)定位、風(fēng)險(xiǎn)監(jiān)管等方面普遍存在的問(wèn)題,并且提出相對(duì)應(yīng)的對(duì)策建議。
[Abstract]:In recent years, China's rural economy has developed rapidly. The rural economy has broken through the boundaries of traditional agriculture, such as aquaculture and small-scale industries, and has gradually deepened into industries such as industry, construction, transportation and service.At the same time, the mode of agricultural production is also undergoing profound changes. Agricultural industrialization projects, rural industrial clusters, rural service clusters, various associations, agricultural cooperatives, and other diversified business models have sprung up.The "width" and "depth" of rural economy have been greatly improved, and the development of rural economy has greatly increased the demand for financial services in rural areas, but the financial demand in rural areas has almost become a "forgotten corner".As a new type of banking mode, village bank provides another choice for the rural financial service demand of our country, from the establishment of the first village bank in 2007 to now.To some extent, village banks have changed the pattern of rural financial services in China, and solved the problem of shortage of funds in the course of agricultural development.Jiangsu Province is a big agricultural province in China, but due to its vast territory, there are great differences in the level of regional economic and social development, leading to a great difference in the demand for funds.Due to the high degree of marketization, the rapid development of individual economy and the deep adjustment of agricultural industrialization, some rural areas of Jiangsu Province have gradually formed a pattern of coexistence of individual economy, agricultural industrialization and other economic forms.Whether from the per capita deposits or loans per capita, Jiangsu Province has a higher demand for capital than the country.At the same time, the rural areas are deeply influenced by the traditional financial management customs, coupled with the imperfect social security system and the mismatch between price growth and income growth, which makes the rural areas of Jiangsu Province have a huge difference between savings and loans.Moreover, the development of new rural financial institutions in Jiangsu Province is not mature enough, making a large number of savings and loans in rural areas have not been fully utilized.Village banks will play a more important role in the rural financial system of Jiangsu province because of their role in resource allocation.Based on the analysis of rural economic development and financial environment in Jiangsu Province, the paper combines the development model and management concept of foreign community banks, and combines with the scale and management mode of the development of village and town banks in other provinces.The paper studies the advantages and limitations of the development of Jiangsu Village Bank, and determines the sustainable development path of Jiangsu Village Bank.At the same time, it analyzes the current situation of village bank development in Jiangsu Province, finds out the existing problems in its development, analyzes the property right structure, cost management, business expansion model, financing model, target market positioning of Jiangsu village bank.Risk supervision and other common problems, and put forward corresponding countermeasures.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.35

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