本文選題：村鎮(zhèn)銀行 + 發(fā)展現(xiàn)狀�。� 參考：《西北農(nóng)林科技大學(xué)》2012年碩士論文

【摘要】：隨著國(guó)家對(duì)農(nóng)業(yè)、農(nóng)村、農(nóng)民問(wèn)題關(guān)注程度的日益提高，農(nóng)村金融相關(guān)問(wèn)題也成為學(xué)界與管理層關(guān)注的熱點(diǎn)。2004年以來(lái)，為促進(jìn)農(nóng)村地區(qū)經(jīng)濟(jì)的發(fā)展，每年中央“一號(hào)文件”都在反復(fù)且不斷深入的論述農(nóng)村金融問(wèn)題，意在通過(guò)鼓勵(lì)農(nóng)村金融的持續(xù)改革與良好發(fā)展來(lái)為解決“三農(nóng)”問(wèn)題提供強(qiáng)有力的金融杠桿。然而，，農(nóng)村金融的發(fā)展力量仍然十分單薄，存在一系列問(wèn)題：農(nóng)民收入水平低、增長(zhǎng)緩慢，農(nóng)村金融市場(chǎng)供給不足、服務(wù)缺失、壟斷性經(jīng)營(yíng)、體制不完善。農(nóng)村資金外流與農(nóng)民貸款難問(wèn)題嚴(yán)重的影響了我國(guó)農(nóng)業(yè)結(jié)構(gòu)性調(diào)整、產(chǎn)業(yè)化升級(jí)與可持續(xù)發(fā)展，阻礙了農(nóng)民的增產(chǎn)增收。作為新型農(nóng)村金融機(jī)構(gòu)的重要組成部分，村鎮(zhèn)銀行是解決農(nóng)村地區(qū)金融問(wèn)題的創(chuàng)新之舉。 在政策引導(dǎo)下，近年來(lái)陜西省村鎮(zhèn)銀行如雨后春筍般，呈現(xiàn)出蓬勃發(fā)展的勢(shì)頭。但由于規(guī)模過(guò)小、高級(jí)人才缺乏、資金來(lái)源有限、服務(wù)體系不健全、設(shè)行宗旨落實(shí)不到位、配套政策不健全、風(fēng)險(xiǎn)分散控制機(jī)制缺乏與法律體系不健全等問(wèn)題的存在，其發(fā)展還面臨著很多問(wèn)題。 本文通過(guò)從我國(guó)實(shí)際情況出發(fā)，以陜西省樣本村鎮(zhèn)銀行為主要研究對(duì)象，具體分析陜西省村鎮(zhèn)銀行的發(fā)展現(xiàn)狀，包括現(xiàn)有村鎮(zhèn)銀行的注冊(cè)基本信息、機(jī)構(gòu)設(shè)置、人員構(gòu)成、業(yè)務(wù)開(kāi)展等情況，并運(yùn)用DEA模型對(duì)各家村鎮(zhèn)銀行的運(yùn)行績(jī)效進(jìn)行實(shí)證分析，得出陜西省村鎮(zhèn)銀行的經(jīng)營(yíng)效率以及對(duì)農(nóng)戶與農(nóng)村中小企業(yè)信貸資金的滿足程度，對(duì)陜西省村鎮(zhèn)銀行的運(yùn)行績(jī)效進(jìn)行總體評(píng)價(jià)。在此基礎(chǔ)上，發(fā)現(xiàn)目前陜西省村鎮(zhèn)銀行發(fā)展過(guò)程中存在的問(wèn)題，借鑒國(guó)際村鎮(zhèn)銀行的成功模式，提出促進(jìn)陜西省村鎮(zhèn)銀行發(fā)展的支持政策與建議。根據(jù)研究結(jié)論，為陜西省村鎮(zhèn)銀行的進(jìn)一步發(fā)展提出新思路，為建立健全我國(guó)農(nóng)村金融體系做出貢獻(xiàn)。 第一章是導(dǎo)論，主要介紹了論文的選題背景、論文研究的目的與意義、論文研究過(guò)程中的思路與用到的方法、論文可能創(chuàng)新之處，并梳理了近年來(lái)國(guó)際國(guó)內(nèi)對(duì)農(nóng)村小型金融機(jī)構(gòu)研究的文獻(xiàn)資料。 第二章敘述了陜西省村鎮(zhèn)銀行的發(fā)展?fàn)顩r，主要介紹了陜西省九家（其中七家為一級(jí)獨(dú)立法人機(jī)構(gòu)）村鎮(zhèn)銀行的基本情況、業(yè)務(wù)開(kāi)展情況與運(yùn)行績(jī)效的實(shí)證分析。具體有樣本村鎮(zhèn)銀行的注冊(cè)基本信息、人員配置與職工情況、盈利能力與業(yè)務(wù)開(kāi)展情況等。運(yùn)用DEA模型分析了樣本村鎮(zhèn)銀行經(jīng)營(yíng)效率、農(nóng)戶資金滿足度、中小企業(yè)資金滿足度，得出了陜西省村鎮(zhèn)銀行運(yùn)行績(jī)效的總體評(píng)價(jià)。 第三章主要研究了陜西省村鎮(zhèn)銀行運(yùn)營(yíng)過(guò)程中顯露出的諸多問(wèn)題。主要有村鎮(zhèn)銀行規(guī)模過(guò)小、高級(jí)人才缺乏、資金來(lái)源有限、服務(wù)體系不健全、設(shè)行宗旨落實(shí)不到位、配套政策不健全、風(fēng)險(xiǎn)分散控制機(jī)制缺乏與法律體系不健全等。 第四章借鑒了國(guó)際小型金融機(jī)構(gòu)的成功發(fā)展模式，主要以比較著名的孟加拉鄉(xiāng)村銀行、美國(guó)社區(qū)銀行與玻利維亞陽(yáng)光銀行模式為代表，從中獲得經(jīng)驗(yàn)啟示。 第五章提出了促進(jìn)陜西省村鎮(zhèn)銀行進(jìn)一步發(fā)展的支持政策與建議。主要有通過(guò)增資擴(kuò)股擴(kuò)大銀行規(guī)模、提高員工素質(zhì)、樹立村鎮(zhèn)銀行良好社會(huì)形象、開(kāi)展業(yè)務(wù)創(chuàng)新、立足“三農(nóng)”做大做強(qiáng)、加大政策扶持力度、建立風(fēng)險(xiǎn)控制制度、完善法律體系等。
[Abstract]:With the country of agriculture, rural areas, farmers concern degree increasing, since the rural financial problems related to academia and management has become the focus of attention of.2004, to promote economic development in rural areas, each year the central document in this rural financial problems repeatedly and deepening, through continuous reform encourage rural finance and good development to provide strong financial leverage to solve the "three rural". However, the development of rural financial strength is still very weak, there are a series of problems: the low income level of farmers, the slow growth of rural financial market supply shortage, lack of service, monopoly management system is not perfect. The outflow of funds in rural areas the difficult problem of loans to farmers and a serious impact on China agricultural structural adjustment, upgrading of industry and sustainable development, has hindered the peasants production and income. As a new type of Agriculture The village bank is an important part of the village financial institutions, which is an innovation to solve the financial problems in the rural areas.
Under the policy guidance, Shaanxi province in recent years, rural banks such as bamboo shoots after a spring rain, showing a vigorous development momentum. But due to the small scale, lack of senior personnel, limited sources of funds, the service system is not perfect, for a purpose of the implementation is not in place, supporting policies are not perfect, risk control mechanism and the lack of the legal system is not perfect etc. the existence of the problem, its development still faces many problems.
By proceeding from the actual situation in our country, in Shaanxi Province, samples of village banks as the main object of study, the current situation of the development of rural banks in Shaanxi province the specific analysis, including the basic registration information, the existing rural bank institutions, personnel, business and so on, and carries on empirical Analysis on the performance of village banks by DEA the model of Shaanxi province rural banks operating efficiency and satisfaction of credit funds to farmers and rural small and medium-sized enterprises, for the overall evaluation of the performance of rural banks in Shaanxi province. On this basis, that the existing rural banks in Shaanxi Province in the process of development, learn from the successful model of international rural banks, put forward in support of policy and suggestions to promote the development of rural banks in Shaanxi province. According to the research conclusion, put forward new ideas for further development of rural banks in Shaanxi Province, for the establishment of a sound Our country's rural financial system makes a contribution.
The first chapter is the introduction. It mainly introduces the background of the thesis, the purpose and significance of the research, the train of thought and the method used in the research process, the possible innovations, and combing the literatures on rural small financial institutions at home and abroad in recent years.
The second chapter describes the development status of village banks in Shaanxi Province, mainly introduced the Shaanxi Province nine (of which seven is an independent legal entity) the basic situation of the rural bank, an empirical analysis of business activities and operating performance. The basic registration information of samples of village banks, personnel and staff, profitability with the business development situation. Use DEA model to analyze the operating efficiency of the sample of rural banks, funds farmers satisfaction, SMEs financing satisfaction, obtains the overall performance evaluation of rural banks in Shaanxi province.
The third chapter mainly studies the problems of rural banks in Shaanxi Province revealed in the process of operation. The main village banks to small scale, lack of senior personnel, limited sources of funds, the service system is not perfect, for a purpose of the implementation is not in place, supporting policies are not perfect, risk control mechanism and the lack of legal system is not perfect.
The fourth chapter draws lessons from the successful development mode of international small financial institutions, mainly based on the famous Bangladesh country bank, the American community bank and the Bolivia sunshine bank mode.
The fifth chapter put forward to promote the support policies and suggestions on further development of rural banks in Shaanxi province. The main capital increase through the expansion of bank scale, improve staff quality, establish a good social image of village banks, to carry out business innovation, based on the "three rural" bigger and stronger, increase policy support, the establishment of risk control system, improve the legal system.

【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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