本文選題：山東省　切入點：農(nóng)村信用社　出處：《山東農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：長期以來，我國積極探索解決“三農(nóng)”問題的可行性戰(zhàn)略，其中建設(shè)新農(nóng)村就是其中一個重要的戰(zhàn)略選擇。為實現(xiàn)我國現(xiàn)代社會的發(fā)展，“三農(nóng)”問題是必須解決的首要問題，不可能也不能隨意跨越。山東農(nóng)村信用社始終以為“三農(nóng)”服務(wù)為宗旨，貫徹落實國家下達(dá)的任務(wù)，為縣城及農(nóng)村提供金融業(yè)務(wù)，為農(nóng)村經(jīng)濟(jì)發(fā)展提供了多層次的、充足的金融服務(wù)支持，很好地發(fā)揮了其當(dāng)?shù)剞r(nóng)村金融主力軍的作用。但是，一直以來，山東省農(nóng)村信用社在經(jīng)營發(fā)展過程中出現(xiàn)很多問題，比如發(fā)展戰(zhàn)略不清晰、經(jīng)營模式有待改善、業(yè)務(wù)品種單一等。這些問題嚴(yán)重影響了其發(fā)展，尤其是面臨現(xiàn)階段農(nóng)村金融形勢的嚴(yán)峻挑戰(zhàn)，厄待解決。所以，針對這些問題，研究山東農(nóng)村信用社的經(jīng)營戰(zhàn)略問題，根據(jù)農(nóng)村信用社自身的實際情況以及外界環(huán)境現(xiàn)狀，為其確立長期發(fā)展戰(zhàn)略思想，實施合理的經(jīng)營模式、正確的市場定位、制定有效的營銷戰(zhàn)略，不僅有助于提高山東省農(nóng)村信用社的綜合實力，對其實現(xiàn)可持續(xù)發(fā)展也有重要的影響。 本文根據(jù)山東農(nóng)村信用社現(xiàn)處的內(nèi)外部環(huán)境以及獨特的經(jīng)營特征，運用SWOT分析法，通過研究、分析農(nóng)村信用社的內(nèi)部環(huán)境、外部環(huán)境，揭示其面臨的發(fā)展機遇以及生存威脅，，進(jìn)而總結(jié)其自身具有的發(fā)展優(yōu)勢以及必須克服的劣勢。最后，在此基礎(chǔ)上，提出山東省農(nóng)村信用社可以選擇的經(jīng)營發(fā)展戰(zhàn)略，并一步研究實施措施。 本文的研究結(jié)論可以總結(jié)如下： （1）山東省農(nóng)村信用社自身經(jīng)營發(fā)展的的優(yōu)勢，主要表現(xiàn)在適應(yīng)力強、根基深厚、網(wǎng)點眾多、客戶資源眾多、具有品牌效應(yīng)、經(jīng)營靈活等方面；當(dāng)然，社會不斷進(jìn)步，市場不斷變化，客戶需求變化多端，農(nóng)村信用社漸漸顯現(xiàn)出某些弊端，比如歷史包袱沉重，經(jīng)營發(fā)展受束縛；治理手段欠缺，內(nèi)控薄弱；優(yōu)質(zhì)客戶資源稀少；員工的綜合素質(zhì)差等。但是，現(xiàn)階段種種內(nèi)在、外部環(huán)境的變化為農(nóng)村信用社提供了良好的發(fā)展機會，如城鄉(xiāng)一體化的進(jìn)程加快；為進(jìn)一步深化農(nóng)村金融改革，國家頒布政策扶持；高素質(zhì)員工所占比例不斷提高；發(fā)展環(huán)境進(jìn)一步得到優(yōu)化。同時，農(nóng)村信用社也面臨著許多威脅，比如競爭者數(shù)量越來越多，競爭越來越激烈；替代產(chǎn)品越來越多。嚴(yán)重威脅到山東農(nóng)村信用社的可持續(xù)發(fā)展。 （2）山東農(nóng)村信用社推行多元化的組織體系；各種政策扶持落實到位，資產(chǎn)質(zhì)量得到改善；支農(nóng)資金不斷增加，力度逐漸加大；財務(wù)狀況開始改善，盈利水平提升；業(yè)務(wù)領(lǐng)域拓展，各項業(yè)務(wù)快速發(fā)展。同時，農(nóng)村信用社面臨著許多問題：產(chǎn)權(quán)制度、資金流動、管理體制“非農(nóng)化”現(xiàn)象嚴(yán)峻；金融服務(wù)水平有待提高等諸方面。
[Abstract]:For a long time, our country has been actively exploring the feasible strategy to solve the problem of "agriculture, countryside and farmers", among which the construction of new countryside is one of the important strategic choices. In order to realize the development of our modern society, the problem of "agriculture, countryside and farmers" is the first problem that must be solved. It is impossible and can not be crossed at will. Shandong Rural Credit Cooperatives always serve the "three rural areas" as their purpose, carry out the tasks assigned by the state, provide financial services for the county towns and rural areas, and provide multi-level services for the development of the rural economy. Adequate financial service support has played a good role as the main force of local rural finance. However, all along, there have been many problems in the management and development of rural credit cooperatives in Shandong Province, such as unclear development strategies. Business model needs to be improved, business variety is single and so on. These problems have seriously affected its development, especially in the face of the severe challenges of the rural financial situation at this stage, Eritrea needs to be solved. Therefore, in view of these problems, This paper studies the management strategy of rural credit cooperatives in Shandong province. According to the actual situation of rural credit cooperatives themselves and the present situation of external environment, it establishes the long-term development strategy thought, implements the reasonable management mode, and has the correct market orientation. Making effective marketing strategy not only helps to improve the comprehensive strength of Shandong Rural Credit Cooperatives, but also has an important impact on its sustainable development. According to the internal and external environment and unique management characteristics of Shandong Rural Credit Cooperatives, this paper analyzes the internal and external environment of RCCs by using SWOT analysis, and reveals the development opportunities and survival threats faced by RCCs. Finally, on the basis of this, the author puts forward the management development strategy that Shandong rural credit cooperatives can choose, and further studies the implementation measures. The conclusions of this paper can be summarized as follows:. (1) the advantages of Shandong Rural Credit Cooperatives in their own management and development are mainly manifested in their strong adaptability, deep roots, numerous networks, numerous customer resources, brand effects, flexible management, and so on. The market is constantly changing, customer demand is changing, rural credit cooperatives gradually show some disadvantages, such as heavy historical burden, management and development constraints, lack of governance means, weak internal control, scarce high-quality customer resources; However, the changes in the external environment have provided a good opportunity for rural credit cooperatives to develop, such as accelerating the process of urban-rural integration, and deepening the rural financial reform. The state promulgates the policy support; the proportion of the high-quality staff is increasing; the development environment is further optimized. At the same time, the rural credit cooperatives are also facing many threats, such as more and more competitors, more and more fierce competition; More and more substitute products threaten the sustainable development of Shandong Rural Credit Cooperatives. 2) Shandong Rural Credit Cooperatives carry out diversified organization system; various policy support is put in place, asset quality is improved; the fund for supporting agriculture is increasing and gradually increasing; the financial situation is beginning to improve and the profit level is improving; At the same time, rural credit cooperatives are faced with many problems: property rights system, capital flow, management system "non-agricultural" phenomenon, and the level of financial services need to be improved.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35

【參考文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 劉健;我國農(nóng)村信用社發(fā)展的制度與實證分析[D];山東大學(xué);2008年

本文編號：1588700