【摘要】：十八大將解決“三農(nóng)”問(wèn)題看作是全黨工作重中之重,提出在廣大農(nóng)村地區(qū)加大政策支持的力度,使當(dāng)?shù)剞r(nóng)民盡快脫貧致富,通過(guò)出臺(tái)惠農(nóng)富農(nóng)政策,完善現(xiàn)有農(nóng)村基本經(jīng)營(yíng)制度。提高農(nóng)民專業(yè)化合作程度,加快股份制建設(shè),盡快落實(shí)新型經(jīng)營(yíng)主體的,擴(kuò)張現(xiàn)有規(guī)模經(jīng)營(yíng)的基礎(chǔ),構(gòu)建更具專業(yè)性,更具組織性,更具社會(huì)化的新型農(nóng)業(yè)經(jīng)營(yíng)體系。國(guó)家在引導(dǎo)政策性和商業(yè)性金融機(jī)構(gòu)重返農(nóng)村地區(qū)的同時(shí),也出臺(tái)了各項(xiàng)政策鼓勵(lì)新型農(nóng)村金融機(jī)構(gòu)的設(shè)立。 作為新型農(nóng)村金融機(jī)構(gòu)主導(dǎo)力量的村鎮(zhèn)銀行,在黑龍江省自2008年初試點(diǎn)以來(lái)得到了較快的發(fā)展。截至2013年末,黑龍江省現(xiàn)已開(kāi)設(shè)村鎮(zhèn)銀行22家,黑龍江省十分重視村鎮(zhèn)銀行的發(fā)展,在農(nóng)村金融發(fā)展“十二五”規(guī)劃當(dāng)中,把村鎮(zhèn)銀行實(shí)現(xiàn)縣域全覆蓋,作為發(fā)展目標(biāo)之一,并且將持續(xù)推進(jìn)村鎮(zhèn)銀行的組建工作包括在重點(diǎn)任務(wù)范圍之內(nèi),村鎮(zhèn)銀行的未來(lái)可謂前景光明。村鎮(zhèn)銀行的出現(xiàn)對(duì)于黑龍江省農(nóng)村金融市場(chǎng)起到了激活作用,使現(xiàn)有農(nóng)村金融組織體系得到了豐富和完善,農(nóng)村金融供貨渠道較以往更加健全,村鎮(zhèn)銀行推動(dòng)了市場(chǎng)競(jìng)爭(zhēng)力的發(fā)展。然而,由于村鎮(zhèn)銀行是農(nóng)村金融機(jī)構(gòu)的一種新形式,在黑龍江省行時(shí)間短,發(fā)展不足,仍處于發(fā)展初期,政策制度不能面面俱到存在欠缺,風(fēng)險(xiǎn)防范水平偏低,存在信用資產(chǎn)質(zhì)量差,風(fēng)險(xiǎn)厭惡情緒等諸多問(wèn)題。限制了村鎮(zhèn)銀行的可持續(xù)發(fā)展,影響其更好地服務(wù)于當(dāng)?shù)匦罗r(nóng)村建設(shè)。因此,應(yīng)該學(xué)習(xí)國(guó)外的先進(jìn)經(jīng)驗(yàn),積極擴(kuò)大農(nóng)村銀行風(fēng)險(xiǎn)防范的管理理念,以提高村鎮(zhèn)銀行的風(fēng)險(xiǎn)防范水平,逐步建立和完善風(fēng)險(xiǎn)防范管理體系。 本文圍繞黑龍江省村鎮(zhèn)銀行風(fēng)險(xiǎn)問(wèn)題展開(kāi)研究,目的在于揭示黑龍江省村鎮(zhèn)銀行的風(fēng)險(xiǎn)現(xiàn)狀及引發(fā)原因,得出影響村鎮(zhèn)銀行風(fēng)險(xiǎn)的主要因素,最終提出完善黑龍江省村鎮(zhèn)銀行風(fēng)險(xiǎn)防范的對(duì)策建議。文章首先系統(tǒng)回顧和總結(jié)了國(guó)內(nèi)外學(xué)者關(guān)于村鎮(zhèn)銀行及其風(fēng)險(xiǎn)問(wèn)題的研究成果,以馬克思金融理論和西方金融風(fēng)險(xiǎn)理論作為本篇文章的理論基礎(chǔ)與支撐。其次,從黑龍江省村鎮(zhèn)銀行自設(shè)立以來(lái)的發(fā)展歷程及發(fā)展現(xiàn)狀出發(fā),概括總結(jié)出黑龍江省村鎮(zhèn)銀行自2008年開(kāi)展試點(diǎn)以來(lái)的信用風(fēng)險(xiǎn)、流動(dòng)性風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)的現(xiàn)狀。并對(duì)其風(fēng)險(xiǎn)成因進(jìn)行深刻剖析。再次,結(jié)合黑龍江省村鎮(zhèn)銀行發(fā)展現(xiàn)狀的基礎(chǔ),運(yùn)用層次分析法對(duì)黑龍江省村鎮(zhèn)銀行風(fēng)險(xiǎn)影響因素指標(biāo)體系進(jìn)行了構(gòu)建,對(duì)村鎮(zhèn)銀行風(fēng)險(xiǎn)影響因素進(jìn)行了實(shí)證研究,確定了影響因素的相應(yīng)比例,操作性和可行性較強(qiáng)。在實(shí)證結(jié)果的支撐下,從完善村鎮(zhèn)銀行自身建設(shè)與優(yōu)化外部環(huán)境兩個(gè)層面提出防范黑龍江省村鎮(zhèn)銀行風(fēng)險(xiǎn)的對(duì)策建議。
[Abstract]:The 18th National Congress regarded solving the "three rural" problems as the top priority of the whole party's work, and proposed to increase policy support in the vast rural areas, so that local farmers can get rid of poverty and become rich as soon as possible, and through the introduction of policies to benefit peasants and rich peasants, Improve the existing basic rural management system. We should improve the specialized cooperation of farmers, speed up the construction of stock system, implement as soon as possible the basis of the new type of management main body and expand the existing scale management, and construct a new agricultural management system with more professional, more organized and more socialized agricultural management system. While leading policy and commercial financial institutions to return to rural areas, the state has also issued various policies to encourage the establishment of new rural financial institutions. As the leading force of new rural financial institutions, village banks have developed rapidly in Heilongjiang Province since the beginning of 2008. By the end of 2013, 22 village banks had been set up in Heilongjiang Province. Heilongjiang attached great importance to the development of village banks. In the 12th Five-Year Plan for Rural Financial Development, it took village banks to achieve full county coverage as one of the development goals. And will continue to promote the establishment of village banks, including within the scope of key tasks, the future of village banks can be said to be bright prospects. The emergence of village banks has activated the rural financial market in Heilongjiang Province, enriched and perfected the existing rural financial organization system, and improved the supply channels of rural finance. Village banks promote the development of market competitiveness. However, because the village bank is a new form of the rural financial institution, it is short time and insufficient development in Heilongjiang Province, still in the early stage of development, the policy system can not have all the deficiencies, the level of risk prevention is on the low side. There are many problems such as poor quality of credit assets, risk aversion and so on. It limits the sustainable development of the village bank and affects its better service to the local new rural construction. Therefore, we should learn from the advanced experience of foreign countries, actively expand the management concept of risk prevention in rural banks, improve the risk prevention level of village banks, and gradually establish and perfect the risk prevention management system. The purpose of this paper is to reveal the present situation and causes of the risk of the village bank in Heilongjiang province, and to obtain the main factors that affect the risk of the village bank in Heilongjiang province. Finally, the countermeasures and suggestions to improve the risk prevention of village banks in Heilongjiang province are put forward. Firstly, this paper systematically reviews and summarizes the research achievements of scholars at home and abroad on village banks and their risks, taking Marx's financial theory and western financial risk theory as the theoretical basis and support of this article. Secondly, starting from the development process and present situation of Heilongjiang village bank since its establishment, the paper summarizes the status quo of credit risk, liquidity risk and operation risk of Heilongjiang village bank since 2008. And the causes of its risk are deeply analyzed. Thirdly, based on the current situation of village bank development in Heilongjiang province, the paper constructs the index system of risk influencing factors of village bank in Heilongjiang province by using the analytic hierarchy process, and makes an empirical study on the influencing factors of village bank risk. The corresponding proportion of the influencing factors is determined, and the operation and feasibility are strong. Under the support of the empirical results, this paper puts forward countermeasures and suggestions to prevent the risk of village banks in Heilongjiang Province from the two aspects of perfecting the self-construction of village banks and optimizing the external environment.
【學(xué)位授予單位】：東北農(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

【參考文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 吳治成;農(nóng)村新型金融組織風(fēng)險(xiǎn)管理問(wèn)題研究[D];東北農(nóng)業(yè)大學(xué);2012年

，

本文編號(hào)：2256737