本文關鍵詞： 縣域 農行 發(fā)展 哈爾濱　出處：《吉林大學》2012年碩士論文　論文類型：學位論文

【摘要】：進入21世紀的中國，作為一個農業(yè)大國，城市現代化，二、三產業(yè)發(fā)展，城市居民的殷實，受制于農村的進步、農業(yè)的發(fā)展、農民的小康相對滯后的問題。“三農”問題一直以來是全黨工作的重中之重，解決“三農”問題離不開現代農村金融的支持和配合。隨著農村經濟發(fā)展和社會主義新農村建設的推進，縣域經濟領域蘊藏著廣闊的市場空間和難得的商業(yè)機遇，而縣域金融是縣域經濟發(fā)展的重要支撐。近年來，國內各家商業(yè)銀行紛紛向農村市場進軍，農業(yè)銀行如何加快縣域金融改革，建立符合城鄉(xiāng)統(tǒng)籌發(fā)展要求的經營管理體系，推進縣域城鄉(xiāng)一體化，穩(wěn)步擴大農村有有效市場占有份額，成為目前亟待研究的重要課題。 哈爾濱縣域地區(qū)土質肥沃，地勢平坦，耕地連片，水源充足，具有發(fā)展農業(yè)生產的良好自然條件。近年來，在中央一系列“三農”政策的帶動下，哈爾濱縣域經濟發(fā)展態(tài)勢持續(xù)向好，農業(yè)產業(yè)結構進一步優(yōu)化，農業(yè)機械化、現代化水平穩(wěn)步提升，農村城鎮(zhèn)化步伐明顯加快。本論文以商業(yè)銀行核心競爭力理論為基礎，通過基礎數據統(tǒng)計、典型調查、比較分析等研究方法，對哈爾濱市縣域農行發(fā)展問題進行深入研究。首先，闡述現代商業(yè)銀行核心競爭理論的內涵、主要內容及約束條件，是縣域金融機構發(fā)展問題研究的理論基礎。然后從哈爾濱市縣域農行機構、人員、經營利潤及重點支行與其他金融機構的業(yè)務比較等方面，通過數據分析與比較分析等研究方法，對哈爾濱市縣域農行經營發(fā)展的現狀進行深入研究，通過分析指出哈爾濱市縣域農行在領導干部配與管理、縣域機構設置、員工教育及政策支持等方面存在制約發(fā)展的問題。最后，針對目前制約哈爾濱市縣域農行發(fā)展的問題，從加強縣域領導干部鍛煉與選配、合理調整縣域網點布局、創(chuàng)新經營管理機制、健全激勵約束機制、積極打造流程銀行、加快推進重點行發(fā)展、加強電子服務渠道建設等七個方面提出解決哈爾濱市縣域農行發(fā)展問題的對策與建議，，以有效推動各項業(yè)務的持續(xù)擴展。本研究為哈市縣域農行的改革發(fā)展提出可供參考的建議，對其他縣域金融企業(yè)改革具有一定的借鑒和指導意義。
[Abstract]:In twenty-first Century Chinese, as a large agricultural country, city modernization, two, the development of the three industry, city residents will, subject to the rural development, agricultural development, farmers relatively lag. "Three rural issues" has always been a priority among priorities of the party's work, solve the "three rural issues" from without the modern rural financial support and cooperation. With the development of the rural economy and the construction of new socialist countryside, the county economy has a broad market space and rare business opportunities, while the county finance is an important support for the county's economic development. In recent years, domestic commercial banks have to enter the rural market, the Agricultural Bank how to speed up the county finance reform, established in accordance with the requirements of the development of urban and rural management system, promoting the integration of urban and rural areas, rural areas have steadily expanded the effective market share, become It is an important subject to be studied at present.
Harbin county area of fertile soil, flat terrain, land contiguous, adequate water, with good natural conditions for the development of agricultural production. In recent years, in the middle of a series of "three agriculture" policy driven, the development trend of Harbin county economy continues to improve, and further optimize the agricultural industry structure, agricultural mechanization, modernization level steadily, pace rural urbanization is accelerated. This thesis is based on the theory of the core competitiveness of commercial banks, based on statistical data, typical survey, comparative analysis and other research methods, in-depth study of the development of County Agricultural Bank of Harbin city. Firstly, elaborates the connotation of the modern commercial bank core competition theory, the main contents and constraints, is the theoretical basis of the development of county financial institutions. Then the staff from the bank institutions, county of Harbin City, operating profit and heavy point branch and other financial institutions Business aspects of structure, through data analysis and comparative analysis and other research methods, in-depth study of the status quo of Harbin County agricultural business development, pointed out that Harbin County Leading Cadres in the coordination and management of county institutions, through analysis, existing problems of restricting the development of employee education and policy support. Finally, according to the at present, restricting the development of county of Harbin City, from strengthening the county leading cadres training and selection, reasonable adjustment of the network layout, innovation management mechanism, improve the incentive and restraint mechanisms, and actively build process bank, accelerate key for development, put forward countermeasures and suggestions to solve the problems of county agricultural development of Harbin City, the seven aspects of strengthening electronic services the channel construction, in order to effectively promote the continued expansion of the business. The research for the reform and development of Harbin county are presented The suggestions for reference are of certain reference and guiding significance to the reform of other county financial enterprises.

【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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