本文關(guān)鍵詞： 村鎮(zhèn)銀行 南昌大豐村鎮(zhèn)銀行 三農(nóng) 問(wèn)題　出處：《四川農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村地區(qū)金融資源匱乏、金融服務(wù)不到位,三農(nóng)問(wèn)題仍未得到根本性的解決。作為增加農(nóng)村金融供給的一項(xiàng)舉措,村鎮(zhèn)銀行在全國(guó)陸續(xù)開(kāi)業(yè)并成為新型農(nóng)村金融機(jī)構(gòu)中最重要的分支構(gòu)成,試圖解決阻礙“三農(nóng)”發(fā)展的各種癥結(jié)。然而由于發(fā)起銀行資源有限,地方政府資源匱乏,以及國(guó)家城鎮(zhèn)化進(jìn)程加快等眾多因素,各地的村鎮(zhèn)銀行相繼暴露出盈利水平較差,業(yè)務(wù)發(fā)展緩慢,經(jīng)營(yíng)風(fēng)險(xiǎn)較高等問(wèn)題。本文以家鄉(xiāng)南昌縣的大豐村鎮(zhèn)銀行為對(duì)象,希望通過(guò)研究剖析其發(fā)展中存在的問(wèn)題,為大豐村鎮(zhèn)銀行及國(guó)內(nèi)其他村鎮(zhèn)銀行的自身改善和地方政府提供對(duì)策建議。本文主要研究?jī)?nèi)容包括三個(gè)部分：首先運(yùn)用文獻(xiàn)分析法搜集、研究并梳理國(guó)內(nèi)外相關(guān)文獻(xiàn)資料,既包括對(duì)國(guó)內(nèi)村鎮(zhèn)銀行及國(guó)外與村鎮(zhèn)相似的社區(qū)銀行、鄉(xiāng)村銀行在性質(zhì)、與地方經(jīng)濟(jì)發(fā)展的關(guān)系、問(wèn)題與對(duì)策等方面,也包含與村鎮(zhèn)銀行發(fā)展相關(guān)的三大理論；其次,理論研究與調(diào)查相結(jié)合,以理論為指導(dǎo),依據(jù)對(duì)南昌大豐村鎮(zhèn)銀行的基本業(yè)務(wù)概況和運(yùn)營(yíng)成效的調(diào)查,對(duì)其內(nèi)外存在的問(wèn)題和原因進(jìn)行定性和定量相結(jié)合的分析。最后在吸收和借鑒國(guó)外農(nóng)村小型金融機(jī)構(gòu)成功經(jīng)驗(yàn)的基礎(chǔ)上,總結(jié)改善問(wèn)題的對(duì)策。通過(guò)對(duì)南昌大豐村鎮(zhèn)銀行的研究,得出其在發(fā)展中在內(nèi)部經(jīng)營(yíng)管理、市場(chǎng)定位、金融生態(tài)環(huán)境、金融基礎(chǔ)設(shè)施、金融監(jiān)管五個(gè)方面存在問(wèn)題。探究問(wèn)題的原因,主要集中在制度、社會(huì)經(jīng)濟(jì)環(huán)境、政策三方面。通過(guò)對(duì)發(fā)達(dá)國(guó)家的社區(qū)銀行、發(fā)展中國(guó)家的農(nóng)村銀行的研究調(diào)查,得到它們可借鑒的成功之處,包括堅(jiān)實(shí)的制度保障、準(zhǔn)確的產(chǎn)品和市場(chǎng)定位、靈活的業(yè)務(wù)經(jīng)營(yíng)模式等方面。綜合以上,針對(duì)村鎮(zhèn)銀行存在的問(wèn)題提出了五點(diǎn)意見(jiàn)：第一,提升內(nèi)部經(jīng)營(yíng)管理水平；第二,明確市場(chǎng)定位：第三,拓寬融資渠道,加強(qiáng)金融創(chuàng)新；第四,加大政府扶持,健全相關(guān)配套制度；第五。優(yōu)化金融生態(tài)環(huán)境,加強(qiáng)金融監(jiān)管。希望通過(guò)這些對(duì)策建議,為促進(jìn)家鄉(xiāng)農(nóng)村的經(jīng)濟(jì)社會(huì)發(fā)展出一份力量,同時(shí)為促進(jìn)全國(guó)所有的村鎮(zhèn)銀行的持續(xù)運(yùn)營(yíng)、進(jìn)而引申至優(yōu)化農(nóng)村金融體系、最后為長(zhǎng)期以來(lái)備受關(guān)注的“三農(nóng)”問(wèn)題做出兼具理論和實(shí)踐意義的貢獻(xiàn)。
[Abstract]:In rural areas, the financial resources are scarce, the financial services are not in place, and the problems of agriculture, rural areas and farmers have not been fundamentally resolved. As a measure to increase the supply of rural finance, The village banks have been opened one after another throughout the country and have become the most important branch of the new rural financial institutions, trying to solve the various sticking points that hinder the development of the "three rural areas". However, due to the limited resources of the initiating banks, the local governments are short of resources. As well as many factors, such as speeding up the process of urbanization and so on, the village and town banks in various places have exposed problems such as poor profit level, slow business development, high operating risk, etc. This paper takes Dafeng Village Bank of Nanchang County as the object. Hoping to analyze the problems in its development through research, The main contents of this paper include three parts: firstly, using literature analysis method to collect, study and comb the relevant literature data at home and abroad, and provide suggestions for the improvement of Dafeng Village Bank and other domestic and foreign village banks. It not only includes three theories related to the development of village and town bank, but also includes the following three aspects: domestic village bank and foreign similar community bank, rural bank in nature, relationship with local economic development, problems and countermeasures, and so on; secondly, there are three theories related to the development of village and town bank. Combining theoretical research with investigation, under the guidance of theory, based on the survey of the basic business situation and operational effectiveness of Dafeng Village Bank in Nanchang, Finally, on the basis of absorbing and drawing lessons from the successful experience of foreign rural small financial institutions, Through the study of Dafeng Village Bank in Nanchang, we can find out its internal management, market orientation, financial ecological environment, financial infrastructure, Problems exist in five aspects of financial supervision. The reasons for the problems are mainly focused on three aspects: institution, social and economic environment, and policy. Through the research and investigation of community banks in developed countries and rural banks in developing countries, The successes they can learn from include solid institutional safeguards, accurate product and market positioning, flexible business models, and so on. On the basis of the above, this paper puts forward five suggestions on the problems existing in village banks: first, Improve the level of internal management; second, clear market positioning; third, broaden financing channels, strengthen financial innovation; 4th, increase government support, improve the relevant supporting system; 5th. Optimize the financial ecological environment, Strengthening financial supervision. We hope that through these countermeasures and suggestions, we will develop a force for promoting the economic and social development of our hometown and rural areas, and at the same time, in order to promote the sustained operation of all village banks throughout the country, and thus to optimize the rural financial system, Finally, it makes both theoretical and practical contributions to the long-paid attention to the issue of agriculture, rural areas and farmers.
【學(xué)位授予單位】：四川農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張默蕙;企業(yè)收到銀行承兌匯票該如何處理[J];經(jīng)濟(jì)師;2000年08期

2 馬原,趙喜朝;銀行承兌匯票承兌業(yè)務(wù)的風(fēng)險(xiǎn)與防范[J];金融理論與實(shí)踐;2000年03期

3 常江,李竣峰;淺析銀行承兌匯票的風(fēng)險(xiǎn)防范與化解[J];山西財(cái)政稅務(wù)�？茖W(xué)校學(xué)報(bào);2000年03期

4 劉春艷;銀行承兌匯票業(yè)務(wù)中存在的問(wèn)題及對(duì)策[J];廣西審計(jì);2000年06期

5 吳明江;如何識(shí)別假銀行承兌匯票[J];現(xiàn)代商業(yè)銀行;2000年01期

6 林桂國(guó);嚴(yán)格匯票管理 筑牢防范堤壩─—從識(shí)破一起200萬(wàn)元假銀行承兌匯票中引起的反思[J];現(xiàn)代商業(yè)銀行;2000年02期

7 馬軍;銀行承兌匯票風(fēng)險(xiǎn)值得關(guān)注[J];現(xiàn)代商業(yè)銀行;2000年03期

8 唐荻;淺談銀行承兌匯票運(yùn)作中存在的問(wèn)題及對(duì)策[J];青海金融;2000年03期

9 岳永生;當(dāng)前銀行承兌匯票辦理中存在的問(wèn)題[J];新疆金融;2000年11期

10 李景明,夏敏;關(guān)于銀行承兌匯票管理的幾點(diǎn)認(rèn)識(shí)[J];冶金財(cái)會(huì);2000年12期

相關(guān)會(huì)議論文 前10條

1 徐建平;;銀行承兌匯票的風(fēng)險(xiǎn)成因及對(duì)策[A];陜西省金融學(xué)會(huì)第十屆金融征文評(píng)選集[C];2004年

2 俊峰;;關(guān)于銀行承兌匯票與貨幣資金協(xié)調(diào)運(yùn)用的思考[A];第五屆中國(guó)煤炭經(jīng)濟(jì)管理論壇暨2004年中國(guó)煤炭學(xué)會(huì)經(jīng)濟(jì)管理專業(yè)委員會(huì)年會(huì)論文集[C];2004年

3 國(guó)家開(kāi)發(fā)銀行課題組;劉大為;;我國(guó)中小企業(yè)問(wèn)接融資問(wèn)題研究[A];銀行與投資——中國(guó)投資學(xué)會(huì)2005—2006年度獲獎(jiǎng)科研課題選編[C];2005年

4 宋照來(lái);;銀行內(nèi)部資源市場(chǎng)化配置論[A];中國(guó)制度經(jīng)濟(jì)學(xué)年會(huì)論文集[C];2003年

5 ;銀行舞弊風(fēng)險(xiǎn)性分析及防范對(duì)策[A];舞弊的防范與檢查論文匯編[C];2005年

6 時(shí)紅秀;;對(duì)《制度、合約與企業(yè)行為——永康民間票據(jù)市場(chǎng)研究》一文的評(píng)論[A];中國(guó)制度變遷的案例研究（浙江卷）第五集[C];2006年

7 ;漳澤發(fā)電分公司“瘦身”措施深挖降本潛力[A];《電站信息》2012年第10期[C];2012年

8 傅勝原;;試探中小企業(yè)融資難的銀企問(wèn)題[A];江西省撫州市社科聯(lián)論文集（2002-2003）經(jīng)濟(jì)類[C];2003年

9 ;第三章 支付工具任您選[A];匯通天下——支付結(jié)算知識(shí)漫談[C];2012年

10 ;物流銀行:融資新軍[A];中國(guó)物流與采購(gòu)聯(lián)合會(huì)會(huì)員通訊總第74期—84期（2005年）[C];2005年

相關(guān)重要報(bào)紙文章 前10條

1 郭萬(wàn)河 史正夫;淺談銀行承兌匯票的風(fēng)險(xiǎn)及防范[N];中國(guó)城鄉(xiāng)金融報(bào);2004年

2 交通銀行蘭州分行 汪志民;鑒別銀行承兌匯票[N];金融時(shí)報(bào);2001年

3 杜小寧;企業(yè)為何青睞“銀行承兌匯票”融資[N];中國(guó)鄉(xiāng)鎮(zhèn)企業(yè)報(bào);2003年

4 馬軍生;從個(gè)案看銀行承兌匯票內(nèi)部控制[N];財(cái)會(huì)信報(bào);2006年

5 姜金平;德州分行7年累辦銀行承兌匯票132億元墊付[N];中國(guó)城鄉(xiāng)金融報(bào);2006年

6 記者 胡曉梅;銀行承兌匯票成非法集資吸收對(duì)象[N];河北經(jīng)濟(jì)日?qǐng)?bào);2009年

7 熱格吉德;鄂爾多斯市銀行承兌匯票業(yè)務(wù)發(fā)展迅速[N];內(nèi)蒙古日?qǐng)?bào)(漢);2009年

8 本報(bào)記者 ，

本文編號(hào)：1503807