【摘要】：自改革開(kāi)放以來(lái),我國(guó)的GDP一直處于高速增長(zhǎng)的通道,全國(guó)十幾億人民的生活質(zhì)量明顯提升。但不可否認(rèn)的是,城市與農(nóng)村的經(jīng)濟(jì)發(fā)展水平差距較大,日益明顯,尤其是在廣大農(nóng)村地區(qū),其金融機(jī)構(gòu)的數(shù)量遠(yuǎn)遠(yuǎn)不如城市,金融供給相對(duì)不足。同時(shí),“三農(nóng)問(wèn)題”的解決也迫在眉睫,為了致力于挖掘農(nóng)村地區(qū)經(jīng)濟(jì)潛力,進(jìn)一步提高廣大農(nóng)民的收入和改善農(nóng)村地區(qū)人民生活水平,人民政府和央行根據(jù)我國(guó)農(nóng)村現(xiàn)狀采取了一系列成功的舉措,其中村鎮(zhèn)銀行的誕生是解決農(nóng)村金融供給不足問(wèn)題的最有效、最直接的舉措,也是發(fā)展農(nóng)村金融的重要一步。村鎮(zhèn)銀行的出現(xiàn)與其十年的快速發(fā)展,激活了農(nóng)村的金融市場(chǎng)與金融需求,完善了農(nóng)村的金融組織體系,為農(nóng)村的建設(shè)與發(fā)展做出了一定的貢獻(xiàn),對(duì)農(nóng)村的金融發(fā)展產(chǎn)生了積極的影響。但是,作為一個(gè)新生事物,尤其是需要深入農(nóng)村地區(qū)長(zhǎng)久發(fā)展的村鎮(zhèn)銀行,還屬于初步的探索期,村鎮(zhèn)銀行在初步的試點(diǎn)中難免會(huì)遇到各種各樣的問(wèn)題,如何在發(fā)展的同時(shí)妥善解決本身遇到的困難,以便進(jìn)一步在農(nóng)村地區(qū)扎根、發(fā)展,實(shí)現(xiàn)自身持續(xù)發(fā)展的同時(shí),改善當(dāng)?shù)亟鹑诃h(huán)境,提高當(dāng)?shù)亟?jīng)濟(jì)發(fā)展水平,意義重大。本文以蕪湖WW村鎮(zhèn)銀行為主要切入點(diǎn),探索我國(guó)目前村鎮(zhèn)銀行發(fā)展的狀況,具有一定的代表性與參考價(jià)值。蕪湖WW村鎮(zhèn)銀行是經(jīng)安徽省銀監(jiān)局親自考核批準(zhǔn),主要發(fā)起行為本省的HS銀行,成立于2010年,注冊(cè)資本達(dá)到一億元人民幣。蕪湖WW村鎮(zhèn)銀行跟其他的村鎮(zhèn)銀行一樣,在取得不錯(cuò)成績(jī)的同時(shí),不可避免會(huì)遇到一些問(wèn)題。因此,本文希望以蕪湖WW村鎮(zhèn)銀行的實(shí)地調(diào)研與問(wèn)卷調(diào)查,理清其進(jìn)一步發(fā)展的制約因素,再結(jié)合其他村鎮(zhèn)銀行的成功舉措,提出具體的建議,使蕪湖WW村鎮(zhèn)銀行進(jìn)一步實(shí)現(xiàn)可持續(xù)發(fā)展,進(jìn)而更好地為當(dāng)?shù)鼐用衽c中小企業(yè)服務(wù),實(shí)現(xiàn)其價(jià)值,也希望能給其他的村鎮(zhèn)銀行的發(fā)展提供一些參考價(jià)值。本文的結(jié)構(gòu)含六個(gè)組成部分:第一部分,緒論,首先就論文所處的現(xiàn)實(shí)背景以及研究意義做了一個(gè)說(shuō)明,然后概括國(guó)外以及國(guó)內(nèi)學(xué)者對(duì)村鎮(zhèn)銀行的探索情況,其次介紹了可持續(xù)發(fā)展理論,還說(shuō)明了本文的寫(xiě)作思路以及可能的貢獻(xiàn)與存在的不足。第二部分,主要是基于本次調(diào)研,介紹蕪湖WW村鎮(zhèn)銀行目前的現(xiàn)狀,對(duì)該銀行目前發(fā)展現(xiàn)狀進(jìn)行相關(guān)分析,主要是基于Yaron框架結(jié)構(gòu)分析其績(jī)效,考察其可持續(xù)發(fā)展能力。第三部分,主要是對(duì)本次調(diào)研情況做一個(gè)簡(jiǎn)單介紹以及對(duì)本次調(diào)研的結(jié)果進(jìn)行分析說(shuō)明。第四部分,主要是基于以上分析,總結(jié)蕪湖WW村鎮(zhèn)銀行目前所存在的問(wèn)題并作相關(guān)原因分析。第五部分,主要是參考國(guó)內(nèi)外的成功經(jīng)驗(yàn),包括孟加拉格萊珉鄉(xiāng)村銀行以及我國(guó)的儀隴惠民村鎮(zhèn)銀行,分析他們?cè)诎l(fā)展中所采取的主要成功措施,總結(jié)一些經(jīng)驗(yàn)和啟示。第六部分,是對(duì)蕪湖WW村鎮(zhèn)銀行的發(fā)展做一個(gè)簡(jiǎn)單的小結(jié),以及基于本次調(diào)研的分析和參考其他村鎮(zhèn)銀行的成功舉措,對(duì)蕪湖WW村鎮(zhèn)銀行如何進(jìn)一步實(shí)現(xiàn)可持續(xù)性發(fā)展提出一些具體相應(yīng)的策略,主要包括:第一,加強(qiáng)自身品牌的宣傳,提升自身在當(dāng)?shù)鼐用竦闹?第二,擴(kuò)寬資金來(lái)源渠道;第三,優(yōu)化考核機(jī)制,提升員工的服務(wù)能力;第四,要進(jìn)一步加強(qiáng)自己的“三農(nóng)”定位,服務(wù)好自己的目標(biāo)客戶;第五,適當(dāng)增設(shè)營(yíng)業(yè)網(wǎng)點(diǎn),提高農(nóng)村地區(qū)覆蓋面,提升自身的實(shí)力;第六,申請(qǐng)加入央行的征信系統(tǒng),引入支付寶芝麻信用;第七,積極推進(jìn)多方合作,借鑒創(chuàng)新信貸模式,實(shí)現(xiàn)共贏。
[Abstract]:Since the reform and opening-up, China's GDP has been at high speed, and the quality of life of more than one billion people in the country is obviously improved. But it is undeniable that the gap between the urban and rural economic development is larger, more and more obvious, especially in the vast rural areas, the number of financial institutions is far less than that of the city, and the financial supply is relatively insufficient. At the same time, the solution of the three-agricultural problem is also urgent. In order to promote the economic potential of the rural areas, further improve the income of the peasants and improve the living standards of the people in the rural areas, the people's governments and the central bank have adopted a series of successful initiatives in accordance with the current situation of the rural areas in our country, The birth of the village bank is the most effective and direct measure to solve the shortage of rural finance, and it is also an important step in the development of rural finance. The emergence of the village bank and the rapid development of the ten years has activated the financial market and financial demand of the countryside, and perfected the financial organization system in the countryside, and made a contribution to the construction and development of the countryside, and has a positive effect on the rural financial development. However, as a new thing, especially the village and town bank that needs to go into the rural area for a long time, it also belongs to the initial discovery period. The bank of the village and the village has difficulty in meeting all kinds of problems in the preliminary experiment, and how to solve the difficulties in itself at the same time of development. so as to further root, develop and realize the sustainable development in the rural areas, improve the local financial environment and improve the local economic development level. This paper, taking Wuhu WW Village and Town Bank as the main point of entry, explores the current situation of the development of the current village bank in our country, and has certain representative and reference value. Wuhu WW Village and Town Bank, which is approved by the Bank of China of Anhui Province, has been set up in 2010 with a registered capital of RMB 100 million. Wuhu WW Village and Town Bank, like other village banks, will inevitably encounter some problems while achieving good results. Therefore, in this paper, we hope to find out the restrictive factors of the further development of Wuhu WW Village and Village Bank, and combine the successful initiatives of other villages and towns, and put forward concrete suggestions to further realize the sustainable development of Wuhu WW village and town bank. In order to better serve the local residents and the small and medium-sized enterprises and realize their value, it is also desirable to provide some reference value for the development of other villages and towns. The structure of this paper is composed of six parts: the first part, the introduction, first of all, a description of the realistic background and the research significance of the thesis, and then summarizes the exploration of the village bank by foreign and domestic scholars, and then introduces the theory of sustainable development. The paper also illustrates the thought of writing and the possible contribution and the deficiency of the present paper. The second part, mainly based on this research, introduces the present situation of Wuhu WW Village and Town Bank, and analyzes the present situation of the current development of the bank, mainly based on the YARon frame structure to analyze its performance and to study its sustainable development ability. The third part mainly is to make a brief introduction to this research situation and to analyze the results of this research. The fourth part, based on the above analysis, summarizes the existing problems of Wuhu WW Village and Town Bank and analyzes the relevant reasons. In the fifth part, reference is made to the successful experiences both at home and abroad, including the village bank of Glama in Bangladesh and the Bank of Huimin Village and Town of our country, to analyze the main successful measures taken by them in the development, and to sum up some experience and enlightenment. The sixth part is to make a brief summary of the development of Wuhu WW Village and Town Bank, and to put forward some specific strategies for how to further realize the sustainable development of Wuhu WW Village and Town Bank based on the analysis of this research and the successful initiatives of other villages and towns, mainly including: First, strengthen the propaganda of its own brand, improve its own visibility in the local population, second, widen the source of funds, and thirdly, optimize the assessment mechanism and improve the service ability of the staff; and fourthly, further strengthen its own 鈥渞ural and rural areas鈥，

本文編號(hào)：2394072