閩清縣農(nóng)村信用合作聯(lián)社競爭力研究
發(fā)布時(shí)間：2018-10-09 21:30
【摘要】：農(nóng)村信用社作為我國金融體系的重要組成部分、農(nóng)村金融的主力軍,它在支持農(nóng)村經(jīng)濟(jì)發(fā)展,解決農(nóng)戶日常融資需要以及扶持農(nóng)村中小企業(yè)發(fā)展等方面一直發(fā)揮著積極作用。近年來,農(nóng)村信用社不斷改進(jìn)信貸服務(wù),增加支農(nóng)投入,在促進(jìn)農(nóng)業(yè)和農(nóng)村經(jīng)濟(jì)發(fā)展,增加農(nóng)民收入等方面做出了巨大貢獻(xiàn),取得了顯著成果。福建省閩清縣是一個(gè)具有典型意義的山區(qū)農(nóng)業(yè)縣,閩清縣農(nóng)村信用合作聯(lián)社作為一級法人企業(yè),在提高自身綜合競爭力,使其科學(xué)并持續(xù)發(fā)展的問題上,產(chǎn)生了重大理論和實(shí)務(wù)課題。通過研究,本文提出了提升閩清縣農(nóng)村信用合作聯(lián)社顯性和隱性競爭力的對策建議,其研究具有重要的現(xiàn)實(shí)意義和實(shí)用價(jià)值。論文在評述相關(guān)文獻(xiàn)的基礎(chǔ)上,概述了閩清縣社會(huì)經(jīng)濟(jì)狀況,回顧了閩清縣農(nóng)村信用合作聯(lián)社的發(fā)展歷程,闡述了縣域農(nóng)村信用社的性質(zhì)、地位、功能和特征以及競爭力的內(nèi)涵和構(gòu)成,分析了縣域農(nóng)村信用社競爭力的形成基礎(chǔ)和條件,指出了縣域農(nóng)村信用社綜合競爭力的兩個(gè)組成部分——顯性競爭力和隱性競爭力。在論文第4章,首先構(gòu)建了顯性競爭力評價(jià)指標(biāo)體系,該指標(biāo)體系由盈利能力、發(fā)展能力、經(jīng)營安全性、資產(chǎn)流動(dòng)性、市場占有率等5個(gè)方面的23個(gè)指標(biāo)構(gòu)成,通過層次分析法確定指標(biāo)權(quán)重、極差正規(guī)化方法進(jìn)行指標(biāo)的無量綱化處理等步驟,最終得到的評價(jià)結(jié)果是：在2006-2012年中,閩清縣農(nóng)村信用合作聯(lián)社的經(jīng)營安全性、盈利能力是逐年提升的；發(fā)展能力在2009年得到了很大提升,此后穩(wěn)定在較高水平上；資產(chǎn)流動(dòng)性2008年后基本上逐年提高,而在2006-2008年間資產(chǎn)流動(dòng)性是遞減的；隨著國有四大銀行在閩清縣的業(yè)務(wù)展開以及近幾年海峽銀行和郵儲銀行的進(jìn)入,閩清縣農(nóng)村信用合作聯(lián)社的市場占有率逐年都有所下降。綜合來看,閩清縣農(nóng)村信用合作聯(lián)社顯性競爭力總體是不斷增強(qiáng)的,其中2008-2011年的顯性競爭力提升尤為快速,2011一2012年顯性競爭力的提升速度放緩、競爭力水平在高位維持。在閩清縣農(nóng)村信用合作聯(lián)社與閩清縣其他金融機(jī)構(gòu)競爭力的橫向比較中,我們使用因子分析法,分別對2006-2012年的狀況進(jìn)行綜合評價(jià),結(jié)果表明：除2007年信用社排名第二外,閩清縣農(nóng)村信用合作聯(lián)社在其余年份排名均為第一。論文第5章,分別從法人治理結(jié)構(gòu)、內(nèi)控制度建設(shè)、創(chuàng)新能力水平、信息科技水平、人才隊(duì)伍建設(shè)等隱性競爭力方面,與在閩清縣的其他金融機(jī)構(gòu)比較,分析得出閩清縣農(nóng)村信用合作聯(lián)社具有較高競爭基礎(chǔ)、能力和水平的結(jié)果。在論文的最后,根據(jù)前面各章的研究結(jié)果,從提升閩清縣農(nóng)村信用合作聯(lián)社顯性和隱性競爭力方面提出了對策建議。
[Abstract]:As an important part of our country's financial system, rural credit cooperatives play an active role in supporting the development of rural economy, solving the daily financing needs of farmers and supporting the development of small and medium-sized rural enterprises. In recent years, rural credit cooperatives have made great contributions in promoting the development of agriculture and rural economy and increasing farmers' income by continuously improving their credit services and increasing their input to agriculture. Minqing County in Fujian Province is a typical agricultural county in mountainous area. Minqing County Rural Credit Cooperation Association, as a first-level legal person enterprise, has the problem of improving its comprehensive competitiveness and making it develop scientifically and sustainably. Major theoretical and practical issues have emerged. Through the research, this paper puts forward the countermeasures and suggestions to enhance the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association, which has important practical significance and practical value. Based on the review of relevant literature, this paper summarizes the social and economic situation of Minqing County, reviews the development course of Minqing Rural Credit Cooperative, and expounds the nature and status of County Rural Credit Cooperative. This paper analyzes the forming basis and conditions of the competitiveness of county rural credit cooperatives, and points out that the two components of the comprehensive competitiveness of county rural credit cooperatives are explicit competitiveness and recessive competitiveness. In Chapter 4, the paper first constructs a dominant competitiveness evaluation index system, which consists of 23 indicators of profitability, development ability, management security, asset liquidity, market share, etc. Through the analytic hierarchy process (AHP) to determine the index weight and the range regularization method to deal with the dimensionless index, the final evaluation results are as follows: in 2006-2012, Minqing Rural Credit Cooperative Society's management security. The profitability is increased year by year; the development ability has been greatly improved in 2009 and then stabilized at a higher level; the liquidity of assets has basically increased year by year since 2008, but the liquidity of assets has been decreasing between 2006 and 2008. With the business of four state-owned banks in Minqing County and the entry of Straits Bank and Postal savings Bank in recent years, the market share of Minqing Rural Credit Cooperation Association has declined year by year. In general, the dominant competitiveness of Minqing Rural Credit Cooperative Society is increasing, especially in 2008-2011, and the speed of dominant competitiveness is slowing from 2011 to 2012, and the level of competitiveness is maintained at a high level. In the horizontal comparison of the competitiveness of Minqing County Rural Credit Cooperative and other financial institutions in Minqing County, we use factor analysis method to evaluate the situation from 2006 to 2012. The results show that: except for the second place of credit cooperatives in 2007, Minqing County Rural Credit Union in the rest of the year are ranked first. Chapter 5 compares with other financial institutions in Minqing County from the aspects of corporate governance structure, internal control system construction, innovation ability level, information technology level, talent team construction and so on. It is concluded that Minqing Rural Credit Cooperative has a high competitive base, ability and level. At the end of the paper, according to the research results of the previous chapters, the countermeasures and suggestions are put forward to promote the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F271;F832.35
本文編號：2260856
[Abstract]:As an important part of our country's financial system, rural credit cooperatives play an active role in supporting the development of rural economy, solving the daily financing needs of farmers and supporting the development of small and medium-sized rural enterprises. In recent years, rural credit cooperatives have made great contributions in promoting the development of agriculture and rural economy and increasing farmers' income by continuously improving their credit services and increasing their input to agriculture. Minqing County in Fujian Province is a typical agricultural county in mountainous area. Minqing County Rural Credit Cooperation Association, as a first-level legal person enterprise, has the problem of improving its comprehensive competitiveness and making it develop scientifically and sustainably. Major theoretical and practical issues have emerged. Through the research, this paper puts forward the countermeasures and suggestions to enhance the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association, which has important practical significance and practical value. Based on the review of relevant literature, this paper summarizes the social and economic situation of Minqing County, reviews the development course of Minqing Rural Credit Cooperative, and expounds the nature and status of County Rural Credit Cooperative. This paper analyzes the forming basis and conditions of the competitiveness of county rural credit cooperatives, and points out that the two components of the comprehensive competitiveness of county rural credit cooperatives are explicit competitiveness and recessive competitiveness. In Chapter 4, the paper first constructs a dominant competitiveness evaluation index system, which consists of 23 indicators of profitability, development ability, management security, asset liquidity, market share, etc. Through the analytic hierarchy process (AHP) to determine the index weight and the range regularization method to deal with the dimensionless index, the final evaluation results are as follows: in 2006-2012, Minqing Rural Credit Cooperative Society's management security. The profitability is increased year by year; the development ability has been greatly improved in 2009 and then stabilized at a higher level; the liquidity of assets has basically increased year by year since 2008, but the liquidity of assets has been decreasing between 2006 and 2008. With the business of four state-owned banks in Minqing County and the entry of Straits Bank and Postal savings Bank in recent years, the market share of Minqing Rural Credit Cooperation Association has declined year by year. In general, the dominant competitiveness of Minqing Rural Credit Cooperative Society is increasing, especially in 2008-2011, and the speed of dominant competitiveness is slowing from 2011 to 2012, and the level of competitiveness is maintained at a high level. In the horizontal comparison of the competitiveness of Minqing County Rural Credit Cooperative and other financial institutions in Minqing County, we use factor analysis method to evaluate the situation from 2006 to 2012. The results show that: except for the second place of credit cooperatives in 2007, Minqing County Rural Credit Union in the rest of the year are ranked first. Chapter 5 compares with other financial institutions in Minqing County from the aspects of corporate governance structure, internal control system construction, innovation ability level, information technology level, talent team construction and so on. It is concluded that Minqing Rural Credit Cooperative has a high competitive base, ability and level. At the end of the paper, according to the research results of the previous chapters, the countermeasures and suggestions are put forward to promote the dominant and recessive competitiveness of Minqing Rural Credit Cooperation Association.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F271;F832.35
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