本文關鍵詞：沛縣農村商業(yè)銀行管理提升研究　出處：《新疆大學》2015年碩士論文　論文類型：學位論文

  更多相關文章： 農村商業(yè)銀行 管理 服務創(chuàng)新 電子化

【摘要】：中國銀監(jiān)會合作金融機構監(jiān)管部主任姜麗明表示,將不再組建新的農村合作銀行,農村合作銀行要全部改制為農村商業(yè)銀行。國家鼓勵符合條件的農村信用社改制組建為農村商業(yè)銀行。資格股所占農村信用社的股份比例已經(jīng)降低到30%以下。截止2013年年底,全國已經(jīng)組建由210家農村合作銀行和303家農村商業(yè)銀行。這些農村銀行機構所管理的資產總額已經(jīng)占到全國農村合作金融機構的總額的41.4%。除此以外,還有1400余家農村信用社基本達到了成立農村商業(yè)銀行的條件。通過一系列的改革,農村信用社的治理方式已經(jīng)得到了長足的變化。一直困擾著農村商業(yè)銀行的內部控制問題也得到了很好的解決,農村商業(yè)銀行自身也有了推進深層次改革的動力。沛縣農村商業(yè)銀行,作為沛縣的主要農村商業(yè)銀行和徐州地區(qū)的重要金融企業(yè),對于當?shù)亟?jīng)濟的發(fā)展起著重要作用。而沛縣農村商業(yè)銀行也對當?shù)氐慕?jīng)營環(huán)境非常熟悉,與當?shù)刂饕彐?zhèn)企業(yè)和養(yǎng)殖戶等建立了良好關系。但是,在其改革幾年以來,沛縣農村商業(yè)銀行依舊面臨著很多問題,如員工文化程度不高,金融產品單一且創(chuàng)新水平不足等等問題。尤其是結合目前金融市場的大環(huán)境,即競爭加劇,國家鼓勵競爭和創(chuàng)新,如果沛縣農村商業(yè)銀行不進行業(yè)務創(chuàng)新、服務創(chuàng)新,則未來發(fā)展一定會受到影響。在這樣的背景下,我們通過查閱國內外農村商業(yè)銀行相關文獻資料,結合對沛縣農村商業(yè)銀行的經(jīng)營現(xiàn)狀分析,尋找出沛縣農村商業(yè)銀行在發(fā)展中存在的問題和不足,并且針對這些問題提出相對應的改進和提高建議。改進和提高建議主要集中在對于三個方面的創(chuàng)新,即創(chuàng)新發(fā)展模式創(chuàng)新用人與用工機制創(chuàng)新營銷模式。在這一過程中,本文還結合了沛縣農村商業(yè)銀行發(fā)展的實際情況與國內金融的大環(huán)境。
[Abstract]:China CBRC co director of financial institutions supervision department Jiang Liming said, will no longer set up new rural cooperative banks, rural cooperative banks should be transformed to the rural commercial bank. The State encourages in accordance with the terms of the restructuring of rural credit cooperatives set up rural commercial banks. Qualification shares accounted for the proportion of shares of rural credit cooperatives has been reduced to below 30% by. At the end of 2013, the country has been set up by the 210 rural cooperative banks and 303 rural commercial banks. The total assets of the rural banking institutions management has accounted for 41.4%. in addition to the total national rural cooperative financial institutions, there are more than 1400 rural credit cooperatives has basically reached the establishment of rural commercial bank conditions through a series of reforms. The rural credit cooperative governance has been considerable changes. Has been plagued by the problems of internal control of rural commercial bank has been A very good solution, rural commercial banks have an incentive to promote in-depth reform. Peixian rural commercial bank, as an important financial enterprises are mainly rural commercial banks in Peixian and the Xuzhou region, for local economic development plays an important role. While the Peixian Rural Commercial Bank of the local business environment is very familiar with and to establish a good relationship with the local main rural enterprises and farmers. However, in the few years since the reform, Peixian rural commercial bank still faces many problems, such as the staff level is not high, the problem of financial products and a single level of innovation insufficiency and so on. Especially with the environment of financial market at present, namely the competition the State encourages competition and innovation, if not, Peixian rural commercial bank business innovation, service innovation, future development will be affected. In this context, we pass Access to rural commercial banks at home and abroad relevant literature, combined with the analysis of the operating status of Peixian rural commercial bank, to find out the problems existed in the development of Peixian rural commercial bank's problems and shortcomings, and put forward the corresponding improvement suggestions to solve these problems. Improving suggestions mainly focus on three aspects for innovation that is, innovation and development model innovation and employment mechanism with innovative marketing mode. In this process, the paper also combines the development of Peixian rural commercial bank's actual situation and the domestic financial environment.

【學位授予單位】：新疆大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.35

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本文編號：1426827