本文選題：包頭農(nóng)村商業(yè)銀行 + 發(fā)展��； 參考：《內(nèi)蒙古大學》2014年碩士論文

【摘要】：回顧包頭農(nóng)商銀行的發(fā)展歷程,曾錯失了農(nóng)村信用社產(chǎn)權(quán)制度改革進程中的最佳時機,使市場化改革遲遲沒有得到推進,影響了其發(fā)展規(guī)模和效率。隨著包頭農(nóng)村商業(yè)銀行于2014年5月9日正式掛牌開業(yè),實現(xiàn)了農(nóng)村信用聯(lián)社向商業(yè)銀行的成功轉(zhuǎn)型,成為包頭市首家農(nóng)村商業(yè)銀行。作為地方金融體系的重要組成部分、地方性商業(yè)銀行的中堅力量,站在新的起點上,包頭農(nóng)村商業(yè)銀行如何搶抓機遇,開拓創(chuàng)新,明確市場定位,規(guī)劃發(fā)展戰(zhàn)略,意義重大而深遠。 當前,包頭農(nóng)村商業(yè)銀行正處于我國經(jīng)濟增長速度的換擋期、結(jié)構(gòu)調(diào)整的陣痛期、前期刺激政策的消化期三期疊加的重要歷史時期,同時還處于全國利率市場化改革的前夜和包頭市日趨激烈的市場競爭環(huán)境之中,站在了機遇與挑戰(zhàn)并存的重要歷史關(guān)頭,包頭農(nóng)村商業(yè)銀行目前所處的外部環(huán)境是包頭農(nóng)商銀行發(fā)展幾十年來改革風險最大、不確定性最大、發(fā)展前景極難預測、發(fā)展形勢很不樂觀的一種局面。盡管包頭農(nóng)村商業(yè)銀行有著多年的人緣、地緣及親緣優(yōu)勢,但是,這些優(yōu)勢是在長期壟斷和專業(yè)化運營中形成的,而不是以組織變革和金融創(chuàng)新為支撐。因此,一旦壟斷政策被打破,比如,在利率市場化全面推行,銀行業(yè)兼并重組閘門徹底放開等情況下,這種競爭優(yōu)勢就會迅速喪失。因此從包頭農(nóng)村商業(yè)銀行自身看,市場定位不夠明確、市場戰(zhàn)略針對性不強、產(chǎn)品開發(fā)能力嚴重不足、服務手段極其有限、服務特色不夠鮮明、品牌影響微乎其微,人員素質(zhì)結(jié)構(gòu)與現(xiàn)代化農(nóng)村商業(yè)銀行的發(fā)展要求尚有一定差距。因此,包頭農(nóng)村商業(yè)銀行如何制定發(fā)展戰(zhàn)略,實現(xiàn)可持續(xù)發(fā)展,需要認真研究和探討。本文將主要通過對外部宏觀經(jīng)濟金融環(huán)境分析,總結(jié)市場外部環(huán)境的變化給包頭農(nóng)村商業(yè)銀行帶來的發(fā)展機會和威脅,對包頭農(nóng)村商業(yè)銀行經(jīng)營發(fā)展現(xiàn)狀進行深入探索研究,找出發(fā)展具備的優(yōu)勢和劣勢,從而明確包頭農(nóng)村商業(yè)銀行的市場定位,中長期發(fā)展的戰(zhàn)略目標和規(guī)劃,要充分突出其自身特色,實施差異化經(jīng)營,構(gòu)筑發(fā)展戰(zhàn)略,制定戰(zhàn)略措施,培養(yǎng)核心競爭能力,提高包頭農(nóng)村商業(yè)銀行在包頭市的知名度和美譽度,努力打造一流的現(xiàn)代化商業(yè)銀行。
[Abstract]:Looking back on the development course of Baotou Rural Commercial Bank, it has missed the best opportunity in the reform process of the property right system of rural credit cooperatives, so that the market-oriented reform has not been pushed forward, and the scale and efficiency of its development have been affected. With the opening of Baotou Rural Commercial Bank on May 9, 2014, the successful transformation from Rural Credit Union to Commercial Bank was realized, and it became the first rural commercial bank in Baotou City. As an important part of the local financial system, the backbone of the local commercial banks stands at a new starting point. How to seize the opportunities, open up and innovate, make clear the market position, and plan the development strategy for Baotou rural commercial banks, At present, Baotou Rural Commercial Bank is in the period of shifting the speed of economic growth, the painful period of structural adjustment, and the three superposition periods of pre-stimulus policy. At the same time, it is also in the market competition environment of Baotou city, which is the eve of the reform of national interest rate marketization, and stands at an important historical juncture of the coexistence of opportunities and challenges. The external environment of Baotou Rural Commercial Bank is that the reform of Baotou Rural Commercial Bank in recent decades has the greatest risk and uncertainty, the development prospect is very difficult to predict, and the development situation is not optimistic. Although Baotou Rural Commercial Bank has many years of popularity, geographical and kinship advantages, these advantages are formed in long-term monopoly and specialized operation, not supported by organizational change and financial innovation. Therefore, once the monopoly policy is broken, for example, when the interest rate marketization is carried out in an all-round way and the banking merger and reorganization gate is completely opened, this competitive advantage will be lost rapidly. Therefore, from the perspective of Baotou Rural Commercial Bank itself, the market positioning is not clear enough, the market strategy is not strong, the product development ability is seriously insufficient, the service means are extremely limited, the service characteristics are not clear enough, the brand influence is very little. There is still a certain gap between the personnel quality structure and the development requirements of modern rural commercial banks. Therefore, how to formulate development strategy and realize sustainable development in Baotou Rural Commercial Bank should be studied and discussed. Through the analysis of the external macroeconomic and financial environment, this paper summarizes the development opportunities and threats brought by the changes of the external market environment to the rural commercial banks in Baotou, and makes an in-depth exploration and study on the present situation of the management and development of the rural commercial banks in Baotou. To find out the advantages and disadvantages of the development, so as to make clear the market position of the rural commercial bank in Baotou, the strategic goal and plan for the medium and long term development, to fully highlight its own characteristics, to carry out the differentiated management, and to construct the development strategy. To develop strategic measures, cultivate core competitive ability, improve the popularity and reputation of Baotou Rural Commercial Bank in Baotou City, and strive to build first-class modern commercial banks.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前4條

1 溫彬;;利率市場化推動中國銀行業(yè)“二次轉(zhuǎn)型”[J];銀行家;2014年03期

2 王曙光;王丹莉;;土地資本化與農(nóng)村金融創(chuàng)新機遇[J];銀行家;2014年04期

3 姜麗明;;以實施新資本管理辦法為突破口提高核心競爭力[J];中國農(nóng)村金融;2014年05期

4 蘇紹云;;新資本協(xié)議下的薪酬績效機制建設[J];中國農(nóng)村金融;2014年08期

，

本文編號：2005609