發(fā)布時間：2018-04-26 08:23

  本文選題：村鎮(zhèn)銀行 + 信貸產(chǎn)品創(chuàng)新　； 參考：《吉林財經(jīng)大學》2014年碩士論文

【摘要】：村鎮(zhèn)銀行是新型農(nóng)村金融機構(gòu)中的主力軍，，是以“三農(nóng)”服務(wù)為宗旨的新型農(nóng)村金融機構(gòu)�？梢哉f，村鎮(zhèn)銀行信貸業(yè)務(wù)發(fā)展的好壞，不僅關(guān)系到自身的經(jīng)營業(yè)績與成長發(fā)展，更關(guān)系到農(nóng)村地區(qū)的經(jīng)濟發(fā)展與產(chǎn)業(yè)轉(zhuǎn)型，以及廣大農(nóng)民的生活水平的高低。由于村鎮(zhèn)銀行近些年來才發(fā)展起步，支農(nóng)助農(nóng)的力度還是不夠。針對“三農(nóng)”所開展的信貸產(chǎn)品種類不足，信貸產(chǎn)品單一化，缺少創(chuàng)新思維，不能滿足農(nóng)村的資金需求。村鎮(zhèn)銀行的業(yè)務(wù)發(fā)展要深耕廣大農(nóng)村地區(qū)，進行必要的信貸產(chǎn)品創(chuàng)新，適應(yīng)農(nóng)村不斷變化的經(jīng)濟發(fā)展與資金需求，確保自身的可持續(xù)發(fā)展，為農(nóng)村地區(qū)提供持續(xù)且強有力的資金支持。 本文先從理論部分進行介紹，對金融創(chuàng)新理論以及銀行金融產(chǎn)品創(chuàng)新理論進行了梳理。接著對國內(nèi)村鎮(zhèn)銀行信貸產(chǎn)品發(fā)展現(xiàn)狀做分析，以國外村鎮(zhèn)銀行發(fā)展模式為借鑒，促進我國村鎮(zhèn)銀行信貸產(chǎn)品的創(chuàng)新。在我國村鎮(zhèn)銀行信貸產(chǎn)品創(chuàng)新的路徑選擇上，分析我國村鎮(zhèn)銀行信貸產(chǎn)品創(chuàng)新的現(xiàn)實依據(jù)，以及村鎮(zhèn)銀行信貸產(chǎn)品創(chuàng)新原則，提出聯(lián)保貸款、農(nóng)業(yè)供應(yīng)鏈融資兩種信貸產(chǎn)品創(chuàng)新的模式。根據(jù)筆者在農(nóng)村地區(qū)的調(diào)研，結(jié)合當?shù)剞r(nóng)戶需求情況，以及信貸產(chǎn)品存在的問題入手，因地制宜，在畜牧業(yè)和種植業(yè)兩方面考慮信貸產(chǎn)品創(chuàng)新，并對信貸產(chǎn)品進行方案設(shè)計。為促進村鎮(zhèn)銀行信貸產(chǎn)品創(chuàng)新研究，在村鎮(zhèn)銀行內(nèi)部，強化內(nèi)部風險管理，注重人才的引進和培養(yǎng)，大力拓展資金來源；在外部，完善金融監(jiān)管，加大政策的扶持力度，完善農(nóng)村信貸擔保機制，發(fā)展農(nóng)業(yè)保險，加強征信體系建設(shè)等方面創(chuàng)造良好的農(nóng)村金融環(huán)境。
[Abstract]:The village bank is the main force in the new rural financial institutions, and it is the new rural financial institution with the aim of serving agriculture, countryside and farmers. It can be said that the development of rural bank credit business is not only related to their own business performance and growth and development, but also related to the economic development and industrial transformation in rural areas, as well as the level of living standards of the majority of farmers. Because the village bank develops in recent years, the strength that supports agriculture to assist agriculture is not enough. In view of the shortage of credit products, the singleness of credit products and the lack of innovative thinking, they can not meet the needs of rural funds. The business development of the village and town bank should deeply cultivate the vast rural areas, carry out the necessary credit product innovation, adapt to the changing economic development and capital demand of the countryside, and ensure its own sustainable development. Provide sustained and strong financial support to rural areas. This paper firstly introduces the theory of financial innovation and the theory of bank financial product innovation. Then the paper analyzes the present situation of the development of the credit products of the rural banks in China, taking the development model of the foreign banks as a reference to promote the innovation of the credit products of the banks of the villages and towns in our country. On the path choice of the credit product innovation of the village bank in our country, this paper analyzes the realistic basis of the innovation of the credit product of the village bank in our country, as well as the principle of the innovation of the credit product of the village bank, and puts forward the UNPROFOR loan. Agricultural supply chain financing two kinds of credit product innovation mode. According to the investigation in rural areas, combining with the demand of local farmers and the problems of credit products, the author considers the innovation of credit products in two aspects of animal husbandry and planting industry, and designs the scheme of credit products. In order to promote the innovation of credit products of village banks, strengthen the internal risk management, pay attention to the introduction and cultivation of talents, expand the sources of funds, improve the financial supervision and strengthen the support of policies, Improve rural credit guarantee mechanism, develop agricultural insurance, strengthen the construction of credit system to create a good rural financial environment.
【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

【參考文獻】

相關(guān)期刊論文 前1條

1 孫志軍;;農(nóng)村金融需求變化特征與金融產(chǎn)品創(chuàng)新策略[J];金融理論與實踐;2009年05期

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