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

【摘要】：解決好“三農(nóng)”問(wèn)題是保持我國(guó)經(jīng)濟(jì)持續(xù)發(fā)展，維護(hù)社會(huì)穩(wěn)定，全面推進(jìn)小康社會(huì)建設(shè)和現(xiàn)代化建設(shè)的客觀要求，而滿足農(nóng)村、農(nóng)業(yè)和農(nóng)民的金融需求則是解決“三農(nóng)”問(wèn)題的關(guān)鍵。村鎮(zhèn)銀行作為近年來(lái)才出現(xiàn)的一個(gè)獨(dú)特而又充滿希望的新興農(nóng)村金融機(jī)構(gòu)，，一開(kāi)始就引起了國(guó)內(nèi)許多專家學(xué)者的關(guān)注。國(guó)內(nèi)專家學(xué)者普遍認(rèn)為村鎮(zhèn)銀行的出現(xiàn)為緩解農(nóng)村資金供求失衡的局面提供了一個(gè)重要的途徑。同時(shí)村鎮(zhèn)銀行在發(fā)展初期也遇到了許多困難，國(guó)內(nèi)專家學(xué)者也對(duì)此提出了對(duì)策和建議。本論文正是在此基礎(chǔ)上，結(jié)合重慶這樣一個(gè)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(yàn)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(wèn)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(chǔ)，本文運(yùn)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(jìng)爭(zhēng)市場(chǎng)論及社會(huì)資本論。金融抑制和金融深化理論分析了發(fā)展中國(guó)家存在資本配置不合理的現(xiàn)象及其產(chǎn)生的原因，也較好的解釋了我行農(nóng)村地區(qū)金融二元性的現(xiàn)狀，村鎮(zhèn)銀行的進(jìn)入正好起到了緩解農(nóng)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(jià)格排斥性、市場(chǎng)營(yíng)銷排斥性、自我排斥性等五個(gè)方面對(duì)村鎮(zhèn)銀行發(fā)展中可能產(chǎn)生的局限性進(jìn)行了解釋。不完全競(jìng)爭(zhēng)市場(chǎng)論和社會(huì)資本論正好說(shuō)明了村鎮(zhèn)銀行在農(nóng)村地區(qū)發(fā)展中面臨的環(huán)境及需要特別關(guān)注的解決方法。 而后本文對(duì)重慶地區(qū)村鎮(zhèn)銀行的發(fā)展?fàn)顩r進(jìn)行介紹，指出了村鎮(zhèn)銀行對(duì)于重慶農(nóng)村地區(qū)的金融發(fā)展的有利影響，同時(shí)還將村鎮(zhèn)銀行與當(dāng)?shù)氐钠渌鹑跈C(jī)構(gòu)進(jìn)行比較分析，說(shuō)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(guó)的農(nóng)村金融，分別從農(nóng)村金融立法及制度配套、合作金融與政策金融相結(jié)合、小額信貸政策及措施三個(gè)方面進(jìn)行了著重介紹。另外，對(duì)國(guó)內(nèi)現(xiàn)有的村鎮(zhèn)銀行進(jìn)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(shè)立的村鎮(zhèn)銀行），并對(duì)它們的股權(quán)構(gòu)成和運(yùn)營(yíng)模式進(jìn)行了分析。緊接著，對(duì)重慶地區(qū)村鎮(zhèn)銀行的發(fā)展?fàn)顩r進(jìn)行介紹，指出了村鎮(zhèn)銀行對(duì)于重慶農(nóng)村地區(qū)的金融發(fā)展的有利影響，同時(shí)還將村鎮(zhèn)銀行與當(dāng)?shù)氐钠渌鹑跈C(jī)構(gòu)進(jìn)行比較分析，說(shuō)明了村鎮(zhèn)銀行存在的特殊性和必要性。 通過(guò)對(duì)重慶村鎮(zhèn)銀行發(fā)展現(xiàn)狀的分析及與國(guó)內(nèi)外發(fā)展模式比較，指出了重慶村鎮(zhèn)銀行存在的問(wèn)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(gè)方面進(jìn)行了說(shuō)明。最后，在此基礎(chǔ)上，從村鎮(zhèn)銀行自身建設(shè)、外部金融環(huán)境建設(shè)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(xué)位授予單位】：重慶師范大學(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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