包商銀行村鎮(zhèn)銀行發(fā)展戰(zhàn)略研究
發(fā)布時(shí)間：2019-01-16 09:09
【摘要】：國家要以村鎮(zhèn)銀行為突破口,推進(jìn)普惠金融建設(shè),加快現(xiàn)代農(nóng)村金融創(chuàng)新進(jìn)程盤活農(nóng)村金融市場。包商銀行審時(shí)度勢(shì)積極響應(yīng)政府加強(qiáng)農(nóng)村金融體系建設(shè)的號(hào)召,抓住機(jī)遇,順應(yīng)時(shí)代潮流,在戰(zhàn)略上選擇了發(fā)展村鎮(zhèn)銀行,積極參與支持農(nóng)村金融市場發(fā)展。在這種背景下本論文通過分析國內(nèi)農(nóng)村金融基本現(xiàn)狀和包商銀行的整體情況,并對(duì)包商銀行發(fā)展村鎮(zhèn)銀行的可行性和必要性進(jìn)行了深入剖析,從而提出了包商銀行未來發(fā)展村鎮(zhèn)銀行的戰(zhàn)略選擇。 村鎮(zhèn)銀行作為一種新型的農(nóng)村金融機(jī)構(gòu)對(duì)包商銀行的發(fā)展有著至關(guān)重要的作用,在當(dāng)今金融市場競爭日趨激烈的情況下,選擇發(fā)展村鎮(zhèn)銀行成為包商銀行發(fā)展壯大的一個(gè)有力支柱。包商銀行作為一家資產(chǎn)規(guī)模相對(duì)較小的股份制商業(yè)銀行,發(fā)展村鎮(zhèn)銀行可以有效的將市場滲透到農(nóng)村,在農(nóng)村開辟出一片新的天地,不僅為業(yè)務(wù)發(fā)展提供了廣闊空間,同時(shí)也大大緩解了包商銀行網(wǎng)點(diǎn)不足帶來的發(fā)展壓力。農(nóng)村金融的供求關(guān)系嚴(yán)重失衡,這就要求農(nóng)村金融機(jī)構(gòu)推進(jìn)產(chǎn)品和服務(wù)創(chuàng)新,以滿足農(nóng)村農(nóng)戶的多元化和多層次需求,現(xiàn)在各類農(nóng)村金融機(jī)構(gòu)正在崛起,村鎮(zhèn)銀行就是一支非常活躍的有生力量。包商銀行選擇發(fā)展村鎮(zhèn)銀行有著天然的優(yōu)勢(shì),一是包商銀行的微小企業(yè)貸款技術(shù)能與村鎮(zhèn)銀行服務(wù)“三農(nóng)”的模式有效結(jié)合,二是近幾年包商銀行在發(fā)展村鎮(zhèn)銀行方面做了許多積極而富有成效的探索,積累了豐富的經(jīng)驗(yàn)。 本文通過對(duì)內(nèi)外部環(huán)境研究認(rèn)為包商銀行發(fā)展村鎮(zhèn)銀行是遠(yuǎn)見卓識(shí)的戰(zhàn)略選擇,包商銀行發(fā)展村鎮(zhèn)銀行不僅需要積極尋求政策支持,而且需要從自身實(shí)際出發(fā),制定適合自身發(fā)展的治理結(jié)構(gòu)和經(jīng)營模式,為村鎮(zhèn)銀行的發(fā)展提供全方位的支持。
[Abstract]:The state should take village banks as a breakthrough, promote the construction of inclusive finance, and speed up the process of modern rural financial innovation to revitalize the rural financial market. The contractor bank responded positively to the call of the government to strengthen the construction of rural financial system, seized the opportunity, complied with the trend of the times, chose to develop the village bank strategically, and actively participated in supporting the development of the rural financial market. In this context, this paper analyzes the basic situation of rural finance and the overall situation of the contractor bank, and analyzes the feasibility and necessity of the development of the village bank. Thus, the paper puts forward the strategic choice of the contractor bank to develop the village bank in the future. As a new type of rural financial institution, village bank plays an important role in the development of the contractor bank. Choose to develop the village bank to become a strong support for the development of the contractor's bank. As a joint-stock commercial bank with relatively small assets, the contractor bank can effectively penetrate the market into the countryside and open up a new world in the countryside, which not only provides a broad space for business development. At the same time also greatly alleviates the contractor bank network insufficiency brings the development pressure. The relationship between supply and demand in rural finance is seriously out of balance, which requires rural financial institutions to promote product and service innovation in order to meet the diversified and multi-level needs of rural farmers. Now all kinds of rural financial institutions are on the rise. The village bank is a very active living force. The contractor bank has natural advantages in choosing to develop the village bank. First, the small enterprise loan technology of the contractor bank can be effectively combined with the mode of rural, rural and rural banking services. Second, in recent years, the contractor bank has made many positive and fruitful explorations and accumulated rich experience in the development of village banks. Based on the study of internal and external environment, this paper thinks that the development of village banks is a strategic choice of farsightedness. The development of village banks not only needs to actively seek policy support, but also needs to proceed from their own reality. To establish a suitable governance structure and management model for the development of village banks to provide all-round support.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35
本文編號(hào)：2409679
[Abstract]:The state should take village banks as a breakthrough, promote the construction of inclusive finance, and speed up the process of modern rural financial innovation to revitalize the rural financial market. The contractor bank responded positively to the call of the government to strengthen the construction of rural financial system, seized the opportunity, complied with the trend of the times, chose to develop the village bank strategically, and actively participated in supporting the development of the rural financial market. In this context, this paper analyzes the basic situation of rural finance and the overall situation of the contractor bank, and analyzes the feasibility and necessity of the development of the village bank. Thus, the paper puts forward the strategic choice of the contractor bank to develop the village bank in the future. As a new type of rural financial institution, village bank plays an important role in the development of the contractor bank. Choose to develop the village bank to become a strong support for the development of the contractor's bank. As a joint-stock commercial bank with relatively small assets, the contractor bank can effectively penetrate the market into the countryside and open up a new world in the countryside, which not only provides a broad space for business development. At the same time also greatly alleviates the contractor bank network insufficiency brings the development pressure. The relationship between supply and demand in rural finance is seriously out of balance, which requires rural financial institutions to promote product and service innovation in order to meet the diversified and multi-level needs of rural farmers. Now all kinds of rural financial institutions are on the rise. The village bank is a very active living force. The contractor bank has natural advantages in choosing to develop the village bank. First, the small enterprise loan technology of the contractor bank can be effectively combined with the mode of rural, rural and rural banking services. Second, in recent years, the contractor bank has made many positive and fruitful explorations and accumulated rich experience in the development of village banks. Based on the study of internal and external environment, this paper thinks that the development of village banks is a strategic choice of farsightedness. The development of village banks not only needs to actively seek policy support, but also needs to proceed from their own reality. To establish a suitable governance structure and management model for the development of village banks to provide all-round support.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35
【引證文獻(xiàn)】
相關(guān)碩士學(xué)位論文 前1條
1 郜慧麗;河北省村鎮(zhèn)銀行的發(fā)展問題與對(duì)策研究[D];中南林業(yè)科技大學(xué);2014年
，本文編號(hào)：2409679
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