發(fā)布時(shí)間：2018-01-19 13:26

  本文關(guān)鍵詞： 村鎮(zhèn)銀行 縣域 存款 貸款　出處：《中國(guó)海洋大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：作為我國(guó)的一種新型金融機(jī)構(gòu)，村鎮(zhèn)銀行是在新的時(shí)代背景下破解城鄉(xiāng)二元難題，支持社會(huì)主義新農(nóng)村建設(shè)，增加農(nóng)村金融供給、填補(bǔ)空白和引入競(jìng)爭(zhēng)解決現(xiàn)有農(nóng)村地區(qū)金融服務(wù)缺位問(wèn)題的重要舉措。村鎮(zhèn)銀行作為我國(guó)廣袤農(nóng)村地區(qū)新出現(xiàn)的農(nóng)村金融組織，自成立以來(lái)以其獨(dú)特的經(jīng)營(yíng)機(jī)制、市場(chǎng)化運(yùn)作、高效率貸款審批等優(yōu)勢(shì)，在一定程度上緩解了長(zhǎng)期困擾農(nóng)村多元化金融需求的矛盾。因?yàn)榇彐?zhèn)銀行的地域性特點(diǎn)，縣域村鎮(zhèn)銀行在我國(guó)村鎮(zhèn)銀行中發(fā)揮著非常重要的作用，但是，由于縣域村鎮(zhèn)銀行作為商業(yè)銀行，他由政策主導(dǎo)而產(chǎn)生，面臨著商業(yè)性和政策性的雙重約束，其市場(chǎng)定位仍處于猶豫和矛盾之中，并出現(xiàn)偏離組建初衷的現(xiàn)象。 本文主要針對(duì)當(dāng)前我國(guó)縣域村鎮(zhèn)銀行的現(xiàn)實(shí)狀況，結(jié)合縣域村鎮(zhèn)銀行設(shè)立的背景和意義，，在借鑒國(guó)際村鎮(zhèn)銀行成功經(jīng)驗(yàn)的基礎(chǔ)上，利用現(xiàn)代科學(xué)分析方法SWOT分析縣域村鎮(zhèn)銀行的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇和威脅，結(jié)合S市H村鎮(zhèn)銀行的具體情況，進(jìn)而有針對(duì)性地提出其可持續(xù)發(fā)展措施及策略。 全文共分為六個(gè)章節(jié)，分別為：緒論、我國(guó)村鎮(zhèn)銀行設(shè)立的背景和意義、縣域村鎮(zhèn)銀行可持續(xù)發(fā)展的SWOT分析、國(guó)外農(nóng)村銀行的發(fā)展經(jīng)驗(yàn)及對(duì)我國(guó)縣域村鎮(zhèn)銀行的啟示、基于SWOT分析的縣域村鎮(zhèn)銀行可持續(xù)發(fā)展的政策建議和結(jié)論。
[Abstract]:As a new type of financial institution in our country, the village bank is to solve the dual problem of urban and rural areas under the new background, to support the construction of new socialist countryside, and to increase the supply of rural finance. To fill the gap and introduce competition to solve the problem of the absence of financial services in rural areas. Village banks as a new rural financial organizations in the vast rural areas of China. Since its establishment with its unique management mechanism, market-oriented operation, efficient loan approval and other advantages. To some extent, it alleviates the contradiction which has puzzled the rural diversified financial demand for a long time. Because of the regional characteristics of the village bank, the county village bank plays a very important role in the village bank of our country, but. As the county village bank as a commercial bank, he was produced by the policy, faced with the commercial and policy constraints, its market positioning is still in hesitation and contradiction. And the phenomenon of deviation from the original intention of the organization. This paper mainly aims at the reality of the county village bank in our country, combined with the background and significance of the establishment of the county village bank, on the basis of drawing lessons from the successful experience of the international village bank. Using modern scientific analysis method SWOT to analyze the advantages, disadvantages, opportunities and threats of county village banks, combined with the specific situation of H village banks in S city. And then put forward its sustainable development measures and strategies. The full text is divided into six chapters, respectively: introduction, the background and significance of the establishment of rural banks in China, the sustainable development of county village banks SWOT analysis. The development experience of the foreign rural banks and the enlightenment to the county village banks in China, the policy suggestions and conclusions of the sustainable development of the county village banks based on the SWOT analysis.
【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.35

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