本文選題：村鎮(zhèn)銀行　切入點：戰(zhàn)略研究　出處：《吉林大學(xué)》2014年碩士論文

【摘要】：商業(yè)銀行的經(jīng)營與發(fā)展代表著中國金融企業(yè)的發(fā)展?fàn)顩r，，而村鎮(zhèn)銀行的發(fā)展又代表著一個地區(qū)農(nóng)村金融市場的成熟度與發(fā)展程度。2007年東豐吉信村鎮(zhèn)銀行正式掛牌成立，作為我國農(nóng)村金融改革創(chuàng)新的先行軍，滿足我國“三農(nóng)”經(jīng)濟持續(xù)增長需求的金融服務(wù)機構(gòu)，其按照科學(xué)發(fā)展觀和“統(tǒng)籌城鄉(xiāng)經(jīng)濟發(fā)展”的新思路，經(jīng)過多年經(jīng)營，銀行已經(jīng)成為支持東豐地區(qū)經(jīng)濟，服務(wù)三農(nóng)的金融市場重要補充，對經(jīng)濟發(fā)展起著至關(guān)重要的作用。但是由于它是近幾年新興的農(nóng)村金融機構(gòu)，在金融市場日益發(fā)達的今天，小型銀行面臨著多種多樣的問題，如規(guī)模小、高級人才缺失、資金來源有限、服務(wù)體系不健全等，這些問題和發(fā)展面臨的威脅與考驗都要求吉信村鎮(zhèn)銀行明確市場定位，制定好發(fā)展戰(zhàn)略目標(biāo)和具體實施方案。這些內(nèi)容的研究，不僅有助于吉信今后市場化的經(jīng)營與發(fā)展，更有利于農(nóng)村金融市場的發(fā)展與改革。 第一章是對本次戰(zhàn)略研究總的歸納與提煉，包括研究吉信村鎮(zhèn)銀行背景、意義和具體的研究方法，以便對吉信村鎮(zhèn)銀行戰(zhàn)略分析有清醒的把握和具體的方向指南。 第二章對中國村鎮(zhèn)銀行及吉信村鎮(zhèn)銀行產(chǎn)生與發(fā)展的歸納和回顧，是對吉信村鎮(zhèn)銀行縱向發(fā)展的理順，也對吉信現(xiàn)行發(fā)展?fàn)顩r做以具體介紹。 第三章通過對吉信村鎮(zhèn)銀行的環(huán)境分析，包括內(nèi)部環(huán)境（經(jīng)營能力、企業(yè)文化）和外部環(huán)境（政治法律、經(jīng)濟環(huán)境、金融生態(tài)環(huán)境、同業(yè)競爭和科技環(huán)境），進行了詳細分析，以此為基礎(chǔ)，選用SWOT模型分析方法，明確銀行在目前條件下所面臨的優(yōu)勢、劣勢、機會和威脅，制定出SO、WO、ST和WT戰(zhàn)略，作為吉信村鎮(zhèn)銀行遠期戰(zhàn)略目標(biāo)設(shè)定的具體條件。 第四章首先制定出吉信村鎮(zhèn)銀行的戰(zhàn)略發(fā)展目標(biāo)，基本定位于全心全意服務(wù)農(nóng)村經(jīng)濟、以“小、精、�！睘樘厣囊涣鞔彐�(zhèn)銀行。并為完成此次目標(biāo)，在對吉信內(nèi)外部主客觀條件深入分析的基礎(chǔ)上，制定了具體的發(fā)展戰(zhàn)略，包括：區(qū)域擴張戰(zhàn)略、業(yè)務(wù)發(fā)展戰(zhàn)略、客戶關(guān)系管理戰(zhàn)略、科技發(fā)展戰(zhàn)略和風(fēng)險控制戰(zhàn)略，這些戰(zhàn)略是結(jié)合了目前政策條件、市場變化和目標(biāo)客戶群金融服務(wù)需求等條件基礎(chǔ)上的，最后并制定了具體的實施方案，文章主要從全力產(chǎn)品創(chuàng)新，提升服務(wù)水平；適度區(qū)域合作擴張，創(chuàng)建吉信村鎮(zhèn)品牌；加強風(fēng)險控制，建立現(xiàn)代商業(yè)銀行制度；樹立企業(yè)精神，加強人才培育四個方面提出了吉信村鎮(zhèn)銀行的戰(zhàn)略發(fā)展實施方案。 文章最后在上面分析的基礎(chǔ)上通過對吉信銀行發(fā)展戰(zhàn)略的研究，對戰(zhàn)略目標(biāo)和方案進行了總結(jié)，進一步支持吉信走出發(fā)展瓶頸期，在保證社會效益和服務(wù)三農(nóng)初衷的同時，增加銀行收益，擴大銀行規(guī)模，促進吉信村鎮(zhèn)銀行的可持續(xù)發(fā)展。
[Abstract]:The management and development of commercial banks represent the development of Chinese financial enterprises, and the development of village banks represents the maturity and development of a regional rural financial market.As the leading force of rural financial reform and innovation in our country, the financial service institutions that meet the needs of sustained economic growth in China's "three rural areas" have been operated for many years in accordance with the scientific concept of development and the new idea of "co-ordinating the economic development of urban and rural areas".The bank has become an important supplement to the economy of Dongfeng region and serves the three rural areas. It plays an important role in economic development.However, as it is a newly emerging rural financial institution in recent years, with the increasingly developed financial market, small banks are facing a variety of problems, such as small scale, lack of senior talents, limited sources of funds, imperfect service system, and so on.These problems and the threats and tests of development all require the Jishin Village Bank to define the market position, formulate the development strategy goal and concrete implementation plan.The research of these contents is not only helpful to the management and development of Jixin marketization in the future, but also beneficial to the development and reform of rural financial market.The first chapter is the summary and refining of this strategic research, including the background, significance and specific research methods of Jishin Village Bank, in order to have a clear grasp of the strategic analysis of Jishin Village Bank and specific direction guide.The second chapter summarizes and reviews the emergence and development of China Village Bank and Jisin Village Bank, which is the straightening out of the vertical development of Jissin Village Bank, and also introduces the current situation of Jixin Village Bank.The third chapter analyzes the environment of Jishin Village Bank, including internal environment (management ability, enterprise culture) and external environment (political law, economic environment, financial ecological environment, peer competition and scientific and technological environment).Based on this, SWOT model analysis method is used to determine the advantages, disadvantages, opportunities and threats faced by banks under the present conditions, and the strategies of SOHWOST and WT are worked out as the specific conditions for the long-term strategic objectives of Jishin Village Bank.The fourth chapter first formulates the strategic development goal of Jishin Village Bank, which is basically located in serving the rural economy wholeheartedly, with the characteristics of "small, fine, special" first-class village and town bank.In order to achieve this goal, on the basis of in-depth analysis of internal and external subjective and objective conditions of Jixin, specific development strategies are formulated, including: regional expansion strategy, business development strategy, customer relationship management strategy,Science and technology development strategies and risk control strategies, which are based on current policy conditions, market changes and the needs of financial services for the target customer base. Finally, specific implementation plans have been formulated.The article mainly from the full effort product innovation, promotes the service level; moderate regional cooperation expansion, establishes the Jisin village and town brand; strengthens the risk control, establishes the modern commercial bank system; sets up the enterprise spirit,Four aspects of strengthening the cultivation of talents put forward the implementation plan of the strategic development of Jishin Village Bank.Finally, on the basis of the above analysis, the paper summarizes the strategic objectives and programs through the research on the development strategy of Jissin Bank, and further supports Jixin to walk out of the bottleneck period of development, and at the same time to ensure social benefits and serve the original intention of agriculture, rural areas and farmers.Increase bank income, expand bank scale, promote the sustainable development of Jishin Village Bank.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35

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