【摘要】：農(nóng)村金融問題是我國“三農(nóng)”問題的重要組成部分，也是影響我國金融體系健康發(fā)展和完善的薄弱環(huán)節(jié)。為解決農(nóng)村金融問題，在農(nóng)村金融存量改革難以取得突破性進展的情況下，農(nóng)村金融增量改革被提上議事日程。2007年，我國開始了村鎮(zhèn)銀行的試點，并相繼出臺多部推動村鎮(zhèn)銀行發(fā)展的法律法規(guī)，村鎮(zhèn)銀行如雨后春筍般發(fā)展起來，截止到2011年末，全國已組建村鎮(zhèn)銀行726家。村鎮(zhèn)銀行在緩解農(nóng)村金融供求矛盾、完善農(nóng)村金融體系和改善農(nóng)村市場競爭結構等方面發(fā)揮著越來越重要的作用。由于村鎮(zhèn)銀行成立時間比較短，還處于在探索中發(fā)展的階段，在試點以及實際運營過程中還存在諸多問題，如何解決這些問題并實現(xiàn)村鎮(zhèn)銀行的良性發(fā)展，已成為國內(nèi)外學者廣泛研究的熱點課題。 本文在總結世界范圍內(nèi)典型村鎮(zhèn)銀行組織模式的基礎上，對國外村鎮(zhèn)銀行組織模式的成功經(jīng)驗進行系統(tǒng)歸納并加以借鑒，然后對我國村鎮(zhèn)銀行組織模式的現(xiàn)狀進行分析，繼而在組織理論與組織創(chuàng)新理論的指導下，，從完善公司治理結構、構建扁平化組織結構、優(yōu)化業(yè)務流程和塑造企業(yè)文化等四個方面提出完善村鎮(zhèn)銀行內(nèi)部組織模式的對策，從金融企業(yè)集群的角度研究村鎮(zhèn)銀行的外部組織模式，建立村鎮(zhèn)銀行之間以及村鎮(zhèn)銀行與其他金融機構之間的互惠合作關系。
[Abstract]:Rural financial problems are an important part of the "three rural" problems in China, and they are also the weak links that affect the healthy development and improvement of our financial system. In order to solve the problem of rural finance, the incremental reform of rural finance has been put on the agenda when it is difficult to make breakthrough progress in the reform of rural financial stock. And has issued a number of laws and regulations to promote the development of village banks, village banks have sprung up, by the end of 2011, the country has established 726 village banks. Village banks play a more and more important role in alleviating the contradiction of rural financial supply and demand, perfecting the rural financial system and improving the competitive structure of rural market. Because the establishment time of village bank is relatively short, it is still in the stage of exploration and development. There are still many problems in the pilot project and in the process of actual operation. How to solve these problems and realize the benign development of village bank, It has become a hot topic widely studied by scholars at home and abroad. On the basis of summing up the typical organization mode of village and town bank in the world, this paper sums up the successful experience of foreign village and town bank organization mode systematically and draws lessons from it, and then analyzes the present situation of village bank organization mode in our country. Then under the guidance of the organization theory and the organization innovation theory, this paper puts forward the countermeasures of perfecting the internal organization mode of the village bank from four aspects: perfecting the corporate governance structure, constructing the flat organizational structure, optimizing the business process and shaping the enterprise culture. From the perspective of financial enterprise cluster, this paper studies the external organization model of village banks, and establishes the reciprocal cooperative relationship between village banks and other financial institutions.
【學位授予單位】：山東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35

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