本文選題：重慶 + 村鎮(zhèn)銀行�。� 參考：《重慶師范大學》2012年碩士論文

【摘要】：解決好“三農”問題是保持我國經濟持續(xù)發(fā)展，維護社會穩(wěn)定，全面推進小康社會建設和現(xiàn)代化建設的客觀要求，而滿足農村、農業(yè)和農民的金融需求則是解決“三農”問題的關鍵。村鎮(zhèn)銀行作為近年來才出現(xiàn)的一個獨特而又充滿希望的新興農村金融機構，，一開始就引起了國內許多專家學者的關注。國內專家學者普遍認為村鎮(zhèn)銀行的出現(xiàn)為緩解農村資金供求失衡的局面提供了一個重要的途徑。同時村鎮(zhèn)銀行在發(fā)展初期也遇到了許多困難，國內專家學者也對此提出了對策和建議。本論文正是在此基礎上，結合重慶這樣一個帶有典型的城鄉(xiāng)二元性特征的西部特大型城市、城鄉(xiāng)統(tǒng)籌試驗區(qū)，分析村鎮(zhèn)銀行在重慶的發(fā)展現(xiàn)狀，了解其在發(fā)展初期存在的問題及提出政策和建議。 本文首先介紹了村鎮(zhèn)銀行發(fā)展的理論基礎，本文運用的理論主要有金融抑制和金融深化理論、金融排斥理論、不完全競爭市場論及社會資本論。金融抑制和金融深化理論分析了發(fā)展中國家存在資本配置不合理的現(xiàn)象及其產生的原因，也較好的解釋了我行農村地區(qū)金融二元性的現(xiàn)狀，村鎮(zhèn)銀行的進入正好起到了緩解農村地區(qū)資本配置不合理的作用。金融排斥理論則從客戶接近金融資源排斥性、條件排斥性、價格排斥性、市場營銷排斥性、自我排斥性等五個方面對村鎮(zhèn)銀行發(fā)展中可能產生的局限性進行了解釋。不完全競爭市場論和社會資本論正好說明了村鎮(zhèn)銀行在農村地區(qū)發(fā)展中面臨的環(huán)境及需要特別關注的解決方法。 而后本文對重慶地區(qū)村鎮(zhèn)銀行的發(fā)展狀況進行介紹，指出了村鎮(zhèn)銀行對于重慶農村地區(qū)的金融發(fā)展的有利影響，同時還將村鎮(zhèn)銀行與當?shù)氐钠渌鹑跈C構進行比較分析，說明了村鎮(zhèn)銀行存在的特殊性和必要性。而后本文分析了印度、日本、孟加拉三國的農村金融，分別從農村金融立法及制度配套、合作金融與政策金融相結合、小額信貸政策及措施三個方面進行了著重介紹。另外，對國內現(xiàn)有的村鎮(zhèn)銀行進行了劃分，將其歸納為兩種類型（即外資村鎮(zhèn)銀行和城市商業(yè)銀行及中小型股份制銀行設立的村鎮(zhèn)銀行），并對它們的股權構成和運營模式進行了分析。緊接著，對重慶地區(qū)村鎮(zhèn)銀行的發(fā)展狀況進行介紹，指出了村鎮(zhèn)銀行對于重慶農村地區(qū)的金融發(fā)展的有利影響，同時還將村鎮(zhèn)銀行與當?shù)氐钠渌鹑跈C構進行比較分析，說明了村鎮(zhèn)銀行存在的特殊性和必要性。 通過對重慶村鎮(zhèn)銀行發(fā)展現(xiàn)狀的分析及與國內外發(fā)展模式比較，指出了重慶村鎮(zhèn)銀行存在的問題，并分別從村鎮(zhèn)銀行自身存在的不足和村鎮(zhèn)銀行面臨的外部環(huán)境兩個方面進行了說明。最后，在此基礎上，從村鎮(zhèn)銀行自身建設、外部金融環(huán)境建設和“銀政、銀銀”合作等方面提出了政策和建議。
[Abstract]:To solve the "three rural" problems is to maintain the sustained economic development of our country, maintain social stability, comprehensively promote the construction of a well-off society and modernization, and meet the objective requirements of rural areas. Agriculture and farmers' financial needs are the key to solve the problem of agriculture, rural areas and farmers. As a unique and promising new rural financial institution, village bank has attracted the attention of many domestic experts and scholars at the beginning. Domestic experts and scholars generally believe that the emergence of village banks provides an important way to alleviate the imbalance between the supply and demand of rural funds. At the same time, the village bank also encountered many difficulties in the early stage of development, and the domestic experts and scholars also put forward the countermeasures and suggestions. On this basis, this paper analyzes the current situation of the development of village and town banks in Chongqing, which is a large western city with typical urban-rural dual characteristics and a pilot area for urban and rural planning. Understand the problems in the early stage of development and put forward policies and suggestions. This paper first introduces the theoretical basis of the development of village banks. The main theories used in this paper are financial suppression and financial deepening theory, financial exclusion theory, incomplete competition market and social capital theory. The theory of financial repression and financial deepening analyzes the phenomenon of unreasonable capital allocation in developing countries and its causes, and also explains the present situation of duality of finance in rural areas. The entry of village banks has played a role in alleviating the irrational allocation of capital in rural areas. The theory of financial exclusion explains the possible limitations in the development of village banks from five aspects: customer proximity to financial resource exclusion, conditional exclusion, price exclusion, marketing exclusion and self-exclusion. The incomplete competition market theory and social capital theory illustrate the environment that village banks face in the development of rural areas and the solutions that need special attention. Then this paper introduces the development of village banks in Chongqing area, points out the beneficial influence of village banks on the financial development of Chongqing rural areas, and compares the village banks with other local financial institutions. It explains the particularity and necessity of the existence of village bank. Then this paper analyzes the rural finance of India, Japan and Bangladesh from three aspects of rural finance legislation and system matching, cooperative finance and policy finance, microfinance policy and measures. In addition, the existing village and town banks in China are divided. It can be divided into two types (that is, the village bank set up by the foreign capital village bank, the city commercial bank and the small and medium-sized joint-stock bank), and their equity structure and operation mode are analyzed. Then, the paper introduces the development of village bank in Chongqing area, points out the beneficial influence of village bank on the financial development of Chongqing rural area, and compares the village bank with other local financial institutions. It explains the particularity and necessity of the existence of village bank. Based on the analysis of the present development situation of Chongqing Village Bank and the comparison with the domestic and foreign development mode, the paper points out the existing problems of Chongqing Village Bank. And from the village bank own existence insufficiency and the village bank external environment two aspects have carried on the explanation separately. Finally, on the basis of this, the paper puts forward some policies and suggestions from the construction of village banks, the construction of external financial environment and the cooperation of "silver and government, silver and silver".
【學位授予單位】：重慶師范大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35

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本文編號：1806204