本文選題：農(nóng)村商業(yè)銀行 + 農(nóng)村金融　； 參考：《蘇州大學(xué)》2012年碩士論文

【摘要】：農(nóng)村商業(yè)銀行是2001年蘇南地區(qū)對農(nóng)村信用社進行股份制改造出現(xiàn)的新型農(nóng)村金融機構(gòu),歷經(jīng)十年的發(fā)展,已成為蘇南農(nóng)村金融市場上的生力軍,作為農(nóng)村信用社股份制改造的一種模式,首批成立的三家農(nóng)村商業(yè)銀行自改制以來堅持服務(wù)“三農(nóng)”和中小企業(yè),獲得了高速發(fā)展,資產(chǎn)規(guī)模迅速壯大,利潤穩(wěn)步增長,資本充足率不斷提升,不良貸款率快速下降。蘇南地區(qū)農(nóng)村商業(yè)銀行的發(fā)展歷程不僅反映了農(nóng)村金融制度的變遷過程,而且其本身也構(gòu)成了農(nóng)村金融制度創(chuàng)新的一部分。 蘇南地區(qū)的農(nóng)村商業(yè)銀行成長于經(jīng)濟相對發(fā)達的縣域市場,有著其獨特的相對競爭優(yōu)勢,但是在發(fā)展中還是遇到了很多的問題。本文運用SWOT分析方法,對蘇南地區(qū)幾家典型的農(nóng)村商業(yè)銀行的公開資料進行分析,研究了蘇南農(nóng)商行的優(yōu)勢、劣勢、機遇和威脅,進而提出進一步發(fā)展的戰(zhàn)略。作為農(nóng)村金融改革模式的一種選擇,蘇南地區(qū)農(nóng)村商業(yè)銀行的成功將為今后在類似環(huán)境條件下的農(nóng)村金融機構(gòu)改革和發(fā)展提供了一個可供借鑒樣本。它的經(jīng)驗和教訓(xùn)也給監(jiān)管部門的政策制定提供參考依據(jù)。
[Abstract]:Rural commercial bank is a new type of rural financial institution in the rural credit cooperatives in southern Jiangsu province in 2001. After ten years of development, it has become a new force in the rural financial market of southern Jiangsu. As a mode of joint-stock system reform of rural credit cooperatives, the first three rural commercial banks have persisted in serving the "three rural areas, rural areas" and small and medium-sized enterprises since the restructuring. They have achieved rapid development, the scale of assets has grown rapidly, and the profits have steadily increased. The capital adequacy ratio continues to rise, and the non-performing loan ratio drops rapidly. The development of rural commercial banks in southern Jiangsu not only reflects the vicissitude of rural financial system, but also constitutes a part of the innovation of rural financial system. The rural commercial banks in southern Jiangsu province grow up in the relatively developed county market and have their unique competitive advantage, but they still encounter a lot of problems in the process of development. In this paper, the open data of several typical rural commercial banks in southern Jiangsu are analyzed by using the method of SWOT analysis, and the advantages, disadvantages, opportunities and threats of agricultural commercial banks in southern Jiangsu are studied, and the strategies for further development are put forward. As a choice of rural financial reform mode, the success of rural commercial banks in southern Jiangsu will provide a model for the reform and development of rural financial institutions under similar environmental conditions in the future. Its experience and lessons also provide a reference basis for regulatory policy formulation.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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本文編號：1937503