本文關(guān)鍵詞：基于PEST分析的黑龍江省村鎮(zhèn)銀行研究　出處：《東北農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：“中國(guó)要強(qiáng),農(nóng)業(yè)必須強(qiáng)；中國(guó)要美,農(nóng)村必須美；中國(guó)要富,農(nóng)民必須富”,解決好“農(nóng)業(yè)、農(nóng)村、農(nóng)民”問(wèn)題,是促進(jìn)“四化同步”發(fā)展,全面建成小康社會(huì),乃至實(shí)現(xiàn)“中國(guó)夢(mèng)”的重要前提。近年來(lái),黨和國(guó)家領(lǐng)導(dǎo)人始終把解決“三農(nóng)”問(wèn)題放在工作“重中之重”的地位,僅就中央一號(hào)文件來(lái)說(shuō),“三農(nóng)”問(wèn)題連續(xù)十一年成為關(guān)注的焦點(diǎn),其在社會(huì)主義現(xiàn)代化建設(shè)時(shí)期的重要地位可見(jiàn)一斑。 農(nóng)業(yè)的發(fā)展,農(nóng)村的繁榮,農(nóng)民的富裕,都離不開(kāi)金融的支持。因此,解決“三農(nóng)”問(wèn)題的關(guān)鍵,在于解決好農(nóng)村金融存在的問(wèn)題。目前,我國(guó)農(nóng)村金融主要存在金融機(jī)構(gòu)和金融服務(wù)覆蓋面低、金融產(chǎn)品單一,支農(nóng)資金供應(yīng)不足等問(wèn)題,難以滿(mǎn)足“三農(nóng)”發(fā)展的金融需求。同時(shí),國(guó)家統(tǒng)計(jì)局發(fā)布的信息顯示,未來(lái)六年,新農(nóng)村建設(shè)將需要約15萬(wàn)億的新增資金總需求量。農(nóng)村金融服務(wù)和資金的龐大需求,與農(nóng)村金融供給不足的現(xiàn)狀,形成了巨大的矛盾。但是,村鎮(zhèn)銀行等新型農(nóng)村金融機(jī)構(gòu)的出現(xiàn)和發(fā)展使這個(gè)難題的解決變得前景光明,作為國(guó)家所鼓勵(lì)和支持的新型農(nóng)村金融機(jī)構(gòu)的主力軍,村鎮(zhèn)銀行將在填補(bǔ)農(nóng)村金融機(jī)構(gòu)空白,滿(mǎn)足農(nóng)村金融服務(wù)需求,增加“三農(nóng)”資金供給,構(gòu)建競(jìng)爭(zhēng)性農(nóng)村金融市場(chǎng)等方面發(fā)揮重要作用。 黑龍江省是我國(guó)的農(nóng)業(yè)大省,有著得天獨(dú)厚的自然資源,然而,農(nóng)村資金的匱乏使“三農(nóng)”的發(fā)展備受制約。為了構(gòu)建與農(nóng)業(yè)和農(nóng)村發(fā)展相適應(yīng)的現(xiàn)代農(nóng)村金融體系,黑龍江省從2008年開(kāi)始設(shè)立村鎮(zhèn)銀行,到2012年末,已開(kāi)業(yè)村鎮(zhèn)銀行22家。黑龍江省村鎮(zhèn)銀行自組建以來(lái),在增加“三農(nóng)”金融服務(wù)供給,緩解農(nóng)戶(hù)和小微企業(yè)的貸款難等方面做出了貢獻(xiàn)。但由于時(shí)間的限制和經(jīng)驗(yàn)的不足,村鎮(zhèn)銀行的發(fā)展過(guò)程中產(chǎn)生了一些問(wèn)題,為了達(dá)成村鎮(zhèn)銀行設(shè)立的初衷以及幫助村鎮(zhèn)銀行發(fā)展壯大,對(duì)村鎮(zhèn)銀行存在問(wèn)題的研究具有重要意義。 因?yàn)榇彐?zhèn)銀行并不是孤立發(fā)展的,所以村鎮(zhèn)銀行的發(fā)展除了受到自身存在問(wèn)題的制約以外,各種外界因素對(duì)其的影響也不容忽視,由此,本文在介紹黑龍江省村鎮(zhèn)銀行發(fā)展現(xiàn)狀的基礎(chǔ)之上,首先對(duì)影響村鎮(zhèn)銀行發(fā)展存在的問(wèn)題進(jìn)行了分析總結(jié),其次,運(yùn)用PEST分析方法,從政治環(huán)境、經(jīng)濟(jì)環(huán)境、社會(huì)環(huán)境和技術(shù)環(huán)境四個(gè)方面進(jìn)行分析,歸納總結(jié)影響村鎮(zhèn)銀行發(fā)展的外部因素,包括促進(jìn)因素和制約因素兩類(lèi)。綜合村鎮(zhèn)銀行存在的問(wèn)題及外部制約因素相應(yīng)提出對(duì)策建議,為促進(jìn)村鎮(zhèn)銀行的發(fā)展提供參考。
[Abstract]:"China is strong and agriculture must be strong; China must be beautiful, rural must be beautiful; In order for China to be rich, farmers must be rich, and to solve the problems of "agriculture, rural areas, and farmers" is an important prerequisite for promoting the development of the "four modernizations", building a well-off society in an all-round way, and even realizing the "Chinese dream" in recent years. Party and state leaders have always placed the solution of the "three rural issues" as the "top priority" in their work. As far as the first document of the Central Committee is concerned, the issue of "agriculture, countryside and farmers" has been the focus of attention for 11 consecutive years. Its important position in the period of socialist modernization construction can be seen. The development of agriculture, the prosperity of the countryside and the prosperity of the peasants can not be separated from the financial support. Therefore, the key to solve the problem of "agriculture, countryside and farmers" lies in the solution of the problems existing in the rural finance. There are many problems in rural finance in China, such as low coverage of financial institutions and financial services, single financial products, insufficient supply of funds for agriculture, and so on, which are difficult to meet the financial needs of the development of agriculture, rural areas and farmers. According to the information released by the National Bureau of Statistics, in the next six years, the construction of new countryside will require about 15 tillion of the total demand for new funds, the huge demand for rural financial services and funds, and the current situation of insufficient supply of rural finance. However, the emergence and development of rural banks and other new rural financial institutions make the solution of this problem bright, as the main force of the new rural financial institutions encouraged and supported by the country. Village banks will play an important role in filling up the gap of rural financial institutions, meeting the demand of rural financial services, increasing the supply of funds for agriculture, rural areas and farmers, and building competitive rural financial markets. Heilongjiang Province is a big agricultural province in China, with unique natural resources, however. The lack of rural funds restricts the development of agriculture, rural areas and farmers. In order to build a modern rural financial system suitable for agriculture and rural development, Heilongjiang Province has set up village banks since 2008. By end of 2012, 22 village banks had been opened. Since the establishment of Heilongjiang village banks, the supply of financial services for agriculture, rural areas and farmers has been increased. But due to time constraints and lack of experience, there are some problems in the development of village banks. In order to achieve the original intention of the establishment of village banks and to help the development of village banks, it is of great significance to study the existing problems of village banks. Because the village bank is not an isolated development, so the development of the village bank in addition to the constraints of its own problems, a variety of external factors can not be ignored. On the basis of introducing the present situation of the development of village banks in Heilongjiang province, this paper firstly analyzes and summarizes the problems that affect the development of village banks, and secondly, applies the PEST analysis method to analyze the political environment. The economic environment, social environment and technological environment are analyzed, and the external factors that affect the development of village banks are summarized. It includes two kinds of promoting factors and restricting factors. The problems existing in the comprehensive village bank and the external restrictive factors are put forward to provide reference for promoting the development of the village bank.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.35

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