本文選題：農(nóng)村金融服務(wù) + 創(chuàng)新　； 參考：《吉林大學(xué)》2012年碩士論文

【摘要】：金融是現(xiàn)代經(jīng)濟(jì)的核心，農(nóng)村金融是現(xiàn)代農(nóng)村經(jīng)濟(jì)的核心。在新農(nóng)村建設(shè)以及“和諧社會(huì)”的構(gòu)建過程中，農(nóng)村的所有經(jīng)濟(jì)活動(dòng)都必須有資金的支持才能順利開展，黨的十七屆三中全會(huì)公布了《關(guān)于推進(jìn)農(nóng)村改革發(fā)展若干重大問題的決議》，對(duì)農(nóng)村金融體系建設(shè)做出了全局規(guī)劃。著重強(qiáng)調(diào)了中國農(nóng)業(yè)銀行、中國農(nóng)業(yè)發(fā)展銀行、中國郵政儲(chǔ)蓄銀行的農(nóng)村金融服務(wù)的主體地位，同時(shí)，開放投資公司、村鎮(zhèn)銀行、小額信貸公司進(jìn)入農(nóng)村金融市場(chǎng)，農(nóng)村金融市場(chǎng)正處于“百家爭(zhēng)鳴、百花齊放”的狀態(tài)，農(nóng)村金融競(jìng)爭(zhēng)日益激烈，我國金融業(yè)改革勢(shì)在必行，若要在激烈的競(jìng)爭(zhēng)中立于不敗之地，唯一的出路就是建立自己的競(jìng)爭(zhēng)優(yōu)勢(shì)，金融服務(wù)創(chuàng)新正是獲得競(jìng)爭(zhēng)優(yōu)勢(shì)的根本支撐和決定因素。 哈爾濱銀行是新興的全國性的股份制商業(yè)銀行，總部設(shè)在哈爾濱市，近年來發(fā)展勢(shì)頭迅猛，對(duì)哈爾濱銀行農(nóng)村金融服務(wù)進(jìn)行創(chuàng)新研究對(duì)于提高哈爾濱銀行的競(jìng)爭(zhēng)力具有重要意義。 本文采用文獻(xiàn)研究、系統(tǒng)分析和實(shí)地調(diào)研法的研究方法，首先對(duì)金融服務(wù)、金融創(chuàng)新、農(nóng)村金融創(chuàng)新服務(wù)等基本概念進(jìn)行界定并對(duì)金融風(fēng)險(xiǎn)理論進(jìn)行了綜述，為后續(xù)研究奠定基礎(chǔ)；其次，分析了哈爾濱銀行農(nóng)村金融服務(wù)現(xiàn)狀及存在的問題，目前哈爾濱銀行農(nóng)村金融產(chǎn)品較為單一，貸款品種主要集中在農(nóng)墾、縣域的農(nóng)戶和個(gè)人，主要包括種植、購置農(nóng)機(jī)具、個(gè)人消費(fèi)等方面的信貸產(chǎn)品，金融服務(wù)方式也較為單一，額度過小，缺乏特色，人員素質(zhì)相對(duì)不高、農(nóng)村金融服務(wù)管理較為混亂，風(fēng)險(xiǎn)管理以信用風(fēng)險(xiǎn)管理為主，對(duì)操作風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)和制度風(fēng)險(xiǎn)等重視程度不夠，技術(shù)和管理水平都有待提高。結(jié)合哈爾濱銀行的實(shí)際情況，，分析了哈爾濱銀行農(nóng)村金融服務(wù)創(chuàng)新的影響因素，從環(huán)境因素、需求因素、技術(shù)因素和行業(yè)競(jìng)爭(zhēng)因素這四個(gè)方面展開，當(dāng)前哈爾濱銀行農(nóng)村金融服務(wù)創(chuàng)新的外部政策環(huán)境良好，但行業(yè)競(jìng)爭(zhēng)對(duì)哈爾濱銀行創(chuàng)新農(nóng)村金融服務(wù)的影響不可忽視，競(jìng)爭(zhēng)的壓力從某種程度上說己轉(zhuǎn)化為農(nóng)村金融創(chuàng)新的推動(dòng)力，創(chuàng)新成為哈爾濱銀行應(yīng)對(duì)競(jìng)爭(zhēng)壓力的必然選擇；在上述分析的基礎(chǔ)上，進(jìn)行創(chuàng)新設(shè)計(jì)，提出了哈爾濱銀行農(nóng)村金融服務(wù)創(chuàng)新的目標(biāo)、原則和內(nèi)容，并從農(nóng)村金融服務(wù)理念、產(chǎn)品、經(jīng)營模式、科技、領(lǐng)域和制度等六個(gè)方面對(duì)創(chuàng)新內(nèi)容進(jìn)行了具體闡述。 最后，對(duì)哈爾濱銀行進(jìn)行農(nóng)村金融服務(wù)創(chuàng)新時(shí)可能出現(xiàn)的風(fēng)險(xiǎn)進(jìn)行了總結(jié)概括，并據(jù)此提出了相應(yīng)的風(fēng)險(xiǎn)防范措施，包括加強(qiáng)風(fēng)險(xiǎn)管理文化建設(shè)、加強(qiáng)農(nóng)村金融服務(wù)人才培養(yǎng)、加強(qiáng)信用風(fēng)險(xiǎn)的識(shí)別和控制、完善相關(guān)制度規(guī)定以及積極防范市場(chǎng)風(fēng)險(xiǎn)。以期對(duì)哈爾濱銀行農(nóng)村金融服務(wù)整體競(jìng)爭(zhēng)力的提升提供參考。
[Abstract]:Finance is the core of modern economy, rural finance is the core of modern rural economy. In the process of building a new rural area and building a "harmonious society", all economic activities in rural areas must be supported by funds in order to carry out smoothly. The third Plenary session of the 17th CPC Central Committee promulgated the "Resolution on several important issues of promoting Rural Reform and Development" and made a comprehensive plan for the construction of the rural financial system. The main position of the rural financial services of the Agricultural Bank of China, the Agricultural Development Bank of China and the Postal savings Bank of China was emphasized. At the same time, open investment companies, village and town banks, and microfinance companies entered the rural financial market. The rural financial market is in the state of "a hundred schools of thought contend and a hundred flowers blossom". The rural financial competition is becoming increasingly fierce. It is imperative to reform the financial industry in our country. If we want to remain invincible in the fierce competition, The only way out is to establish one's own competitive advantage, and the innovation of financial service is the fundamental support and decisive factor to obtain the competitive advantage. Harbin Bank is a new national joint-stock commercial bank with its headquarters in Harbin. In recent years, it has developed rapidly. It is of great significance to study the innovation of Harbin Bank's rural financial service to improve the competitiveness of Harbin Bank. In this paper, the basic concepts of financial service, financial innovation, rural financial innovation and so on are defined, and the theory of financial risk is summarized by the methods of literature research, systematic analysis and field investigation. Secondly, the paper analyzes the present situation and existing problems of Harbin Bank's rural financial services. At present, Harbin Bank's rural financial products are relatively single, and the types of loans are mainly concentrated in farming reclamation, county farmers and individuals. Mainly including planting, purchasing agricultural machinery, personal consumption and other aspects of credit products, the financial service mode is also relatively single, the quota is too small, the lack of characteristics, the quality of personnel is relatively low, the rural financial service management is relatively chaotic. Credit risk management is the main part of risk management. The operational risk, market risk and system risk are not paid enough attention to, and the level of technology and management need to be improved. Combined with the actual situation of Harbin Bank, this paper analyzes the influencing factors of Harbin Bank's rural financial service innovation, starting from four aspects: environmental factor, demand factor, technical factor and industry competition factor. At present, the external policy environment of Harbin Bank's rural financial service innovation is good, but the influence of industry competition on Harbin bank's innovation of rural financial service can not be ignored. To some extent, the pressure of competition has been transformed into the driving force of rural financial innovation, and innovation has become the inevitable choice of Harbin Bank to deal with the pressure of competition. This paper puts forward the aim, principle and content of Harbin Bank's rural financial service innovation, and expounds the innovation content from six aspects: rural financial service idea, product, management model, science and technology, field and system. Finally, the paper summarizes the risks that may occur when Harbin Bank carries on the rural financial service innovation, and puts forward the corresponding risk prevention measures, including strengthening the construction of risk management culture, strengthening the training of rural financial service talents. Strengthen the credit risk identification and control, improve the relevant regulations and actively guard against market risks. With a view to Harbin Bank rural financial services to improve the overall competitiveness of the reference.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.3

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