【摘要】：村鎮(zhèn)銀行的成立是我國農(nóng)村金融體制深化改革的有效途徑,也是目前農(nóng)村金融研究的重要課題之一,作為一種新興的農(nóng)村金融機(jī)構(gòu),是農(nóng)村金融創(chuàng)新的結(jié)果,是小額信貸事業(yè)的新發(fā)展。隨著“三農(nóng)”事業(yè)的發(fā)展以及農(nóng)村金融市場(chǎng)的供需矛盾突出,具有低門檻、多元化資金來源、靈活多樣的股權(quán)與治理結(jié)構(gòu)的村鎮(zhèn)銀行進(jìn)入農(nóng)村金融市場(chǎng),將從根本上改變?cè)袑?duì)農(nóng)村金融體系存量改革的思路,引入增量因素,必將推動(dòng)農(nóng)村金融改革深化,一定程度上緩解了農(nóng)村地區(qū)金融服務(wù)的供需矛盾。但作為新生事物,村鎮(zhèn)銀行在其試點(diǎn)過程中面臨著一些困難和問題。 本文首先總結(jié)了農(nóng)村金融理論及組建村鎮(zhèn)銀行理論基礎(chǔ),主要包括農(nóng)業(yè)信貸補(bǔ)貼論、農(nóng)村金融市場(chǎng)論、不完全競(jìng)爭(zhēng)理論、麥金農(nóng)和肖的金融深化理論、金融成長(zhǎng)的內(nèi)生理論和發(fā)展經(jīng)濟(jì)學(xué)理論。然后總結(jié)了國外鄉(xiāng)鎮(zhèn)銀行及社區(qū)銀行的成功經(jīng)驗(yàn),最后以中牟鄭銀村鎮(zhèn)銀行為例,通過分析及總結(jié)中牟鄭銀村鎮(zhèn)銀行的發(fā)展現(xiàn)狀,主要包括公司治理現(xiàn)狀、經(jīng)營現(xiàn)狀、內(nèi)部控制現(xiàn)狀、風(fēng)險(xiǎn)管理現(xiàn)狀及對(duì)當(dāng)?shù)亟?jīng)濟(jì)扶持情況,總結(jié)村鎮(zhèn)銀行的發(fā)展優(yōu)勢(shì),證明村鎮(zhèn)銀行是可以存活的,是可以在農(nóng)村區(qū)域經(jīng)濟(jì)中能夠發(fā)揮積極作用,根據(jù)發(fā)展中現(xiàn)存的內(nèi)部和外部問題,找出相應(yīng)的解決辦法,并運(yùn)用SW0T分析方法,全面分析了村鎮(zhèn)銀行的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)和威脅,進(jìn)而指出了村鎮(zhèn)銀行應(yīng)采用的運(yùn)行策略。最后提出了中牟鄭銀村鎮(zhèn)銀行持續(xù)穩(wěn)健發(fā)展的策略建議。
[Abstract]:The establishment of village bank is an effective way to deepen the reform of rural financial system in our country, and it is also one of the important subjects of rural finance research. As a new rural financial institution, it is the result of rural financial innovation. It is a new development of microfinance. With the development of "agriculture, rural areas" and the contradiction between supply and demand in rural financial market, village banks with low threshold, diversified sources of funds, flexible equity and governance structure enter the rural financial market. It will fundamentally change the original thinking of the stock reform of rural financial system, introduce incremental factors, will promote the deepening of rural financial reform, and alleviate the contradiction between supply and demand of financial services in rural areas to a certain extent. But as a new thing, the village bank faces some difficulties and problems in its pilot process. This paper first summarizes the theory of rural finance and the establishment of rural banks, mainly including agricultural credit subsidy theory, rural financial market theory, incomplete competition theory, McKinnon and Shaw's theory of financial deepening. The endogenous theory of financial growth and the theory of development economics. Then it summarizes the successful experiences of foreign township banks and community banks. Finally, taking Zhongmou Zhengyin Village Bank as an example, it analyzes and summarizes the present development situation of Zhongmou Zhengyin Village Bank, mainly including the current situation of corporate governance and management. The present situation of internal control, risk management and local economic support, summing up the development advantages of village banks, proves that village banks can survive and can play an active role in the rural regional economy. According to the existing internal and external problems in the development, the corresponding solutions are found, and the advantages, disadvantages, opportunities and threats of the village banks are comprehensively analyzed by using the SW0T analysis method, and then the operational strategies that the village banks should adopt are pointed out. Finally, the paper puts forward the strategic suggestions for the sustained and steady development of Zhongmou Zhengyin Village Bank.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

【參考文獻(xiàn)】

中國期刊全文數(shù)據(jù)庫 前9條

1 吳玉宇;;村鎮(zhèn)銀行運(yùn)行存在的問題及對(duì)策分析[J];改革與戰(zhàn)略;2008年01期

2 郭素貞;;關(guān)于村鎮(zhèn)銀行運(yùn)行狀況的幾點(diǎn)思考[J];經(jīng)濟(jì)縱橫;2008年06期

3 孫雪梅;李鴻建;;我國村鎮(zhèn)銀行發(fā)展的個(gè)案研究[J];經(jīng)濟(jì)縱橫;2009年07期

4 李吟秋;;村鎮(zhèn)銀行信貸風(fēng)險(xiǎn)防范初探[J];金融經(jīng)濟(jì);2009年20期

5 李莉莉;;新型農(nóng)村金融機(jī)構(gòu)發(fā)展進(jìn)程與階段性評(píng)價(jià)[J];金融理論與實(shí)踐;2008年09期

6 中國人民銀行赤峰市中心支行課題組;靜大祝;張國春;;村鎮(zhèn)銀行發(fā)展過程中迫切需要解決的幾個(gè)問題[J];內(nèi)蒙古金融研究;2010年05期

7 趙冬青;王樹賢;;我國村鎮(zhèn)銀行發(fā)展現(xiàn)狀的實(shí)證研究[J];農(nóng)村經(jīng)濟(jì);2010年07期

8 王繼東;;對(duì)我國村鎮(zhèn)銀行快速發(fā)展的一些思考[J];生產(chǎn)力研究;2008年16期

9 王曉燕;;我國村鎮(zhèn)銀行發(fā)展存在的問題及對(duì)策[J];商業(yè)時(shí)代;2009年21期

，

本文編號(hào)：2303804