【摘要】：村鎮(zhèn)銀行作為我國試點運行的新型農(nóng)村金融機構(gòu)之一，其設(shè)立的初衷是為了促進農(nóng)村地區(qū)金融機構(gòu)間的競爭，，改善農(nóng)村地區(qū)的金融服務(wù)，為農(nóng)村地區(qū)的經(jīng)濟發(fā)展提供金融動力支持。村鎮(zhèn)銀行貸款業(yè)務(wù)，是村鎮(zhèn)銀行支持所在地區(qū)農(nóng)村經(jīng)濟發(fā)展的最主要的手段之一。村鎮(zhèn)銀行貸款，能否很好的滿足當(dāng)?shù)剞r(nóng)村經(jīng)濟主體的貸款需求，決定了村鎮(zhèn)銀行對當(dāng)?shù)亟?jīng)濟發(fā)展的貢獻大小，也左右著村鎮(zhèn)銀行能否長期的生存與發(fā)下去。 本文以金融深化理論與經(jīng)濟增長方式轉(zhuǎn)變?yōu)槔碚摶A(chǔ)，從理論上分析總結(jié)了村鎮(zhèn)銀行存在的必要性和農(nóng)村經(jīng)濟增長方式轉(zhuǎn)變的迫切性。在上述理論基礎(chǔ)之上，本文首先以中牟鄭銀村鎮(zhèn)銀行為例，對村鎮(zhèn)銀行的貸款現(xiàn)狀進行了分析，總結(jié)出我國村鎮(zhèn)銀行貸款存在貸款來源少、貸款產(chǎn)品單一、缺乏營銷網(wǎng)絡(luò)以及風(fēng)險管理水平差等問題。其次本文以轉(zhuǎn)變農(nóng)村經(jīng)濟增長方式為視角，分析總結(jié)了轉(zhuǎn)變農(nóng)村經(jīng)濟增長方式過程中，各個主體即規(guī)模型農(nóng)戶、基地型農(nóng)戶和創(chuàng)業(yè)型農(nóng)戶的貸款需求特征和風(fēng)險特征。再次，本文通過對農(nóng)戶和村鎮(zhèn)銀行貸款業(yè)務(wù)的多階段博弈分析，得出村鎮(zhèn)銀行必須通過貸款創(chuàng)新才能贏得與其他農(nóng)村金融機構(gòu)競爭的機會，才能更好的滿足農(nóng)戶的貸款需求。最后,本文對村鎮(zhèn)銀行村鎮(zhèn)銀行貸款來源少的問題，提出爭取當(dāng)?shù)卣斦Y金支持，積極開展免費銀行卡業(yè)務(wù)，設(shè)立駐村聯(lián)絡(luò)官等對策；針對貸款產(chǎn)品創(chuàng)新，提出目前階段村鎮(zhèn)銀行應(yīng)主要模仿農(nóng)村信用社的相關(guān)貸款產(chǎn)品；對于銷售問題，提出加強營銷人才隊伍建設(shè)，認(rèn)真做好當(dāng)?shù)剞r(nóng)村貸款需求的調(diào)研；針對風(fēng)險管理提出“農(nóng)戶+基地”擔(dān)保模式和農(nóng)戶聯(lián)保模式等相應(yīng)的對策。
[Abstract]:As one of the new rural financial institutions in China, the village bank was established to promote competition among rural financial institutions and improve financial services in rural areas. To provide financial power support for the economic development of rural areas. The village bank loan business is one of the most important means for the village bank to support the rural economic development in the area. Whether the village bank loan can satisfy the loan demand of the main body of the local rural economy can determine the contribution of the village bank to the local economic development, and it also determines whether the village bank can survive and develop for a long time. Based on the theory of financial deepening and the transformation of economic growth mode, this paper theoretically analyzes and summarizes the necessity of the existence of village and town banks and the urgency of changing the mode of rural economic growth. On the basis of the above theory, this paper firstly takes Zhongmou Zhengyin Village Bank as an example, analyzes the present situation of the village bank loan, and concludes that there are few loan sources and a single loan product for the village bank loan in our country. Lack of marketing network and poor level of risk management and other issues. Secondly, from the perspective of changing the mode of rural economic growth, this paper analyzes and summarizes the characteristics of loan demand and risk of each main body, that is, scale farmers, base farmers and entrepreneurial farmers, in the process of changing the mode of rural economic growth. Thirdly, through the multi-stage game analysis of the loan business between rural households and village banks, it is concluded that the village banks must make loan innovation to win the opportunity to compete with other rural financial institutions, so as to better meet the loan needs of farmers. Finally, the paper puts forward some countermeasures to solve the problem of small sources of loans from village banks, such as seeking financial support from local governments, actively developing free bank card business, setting up liaison officers in villages, and so on, aiming at the innovation of loan products. The paper puts forward that village and town banks should mainly imitate the relevant loan products of rural credit cooperatives at the present stage, strengthen the construction of marketing talents and make a good investigation and research on the local rural loan demand for the sales problems. Aiming at risk management, this paper puts forward the corresponding countermeasures such as the guarantee mode of "peasant household base" and the mode of peasant household protection.
【學(xué)位授予單位】：蘭州理工大學(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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