【摘要】：中國社會主義市場經(jīng)濟的可持續(xù)發(fā)展,金融市場也跟著發(fā)生了變化。在新的歷史時期,國家大力倡導深化農村金融改革,改善農村生產(chǎn)生活水平,號召發(fā)展“普惠金融”。農村經(jīng)濟的核心是農村金融,蚌埠農村商業(yè)銀行作為支農隊伍中的一員,將致力于農村金融改革的良好開展。融資難、成本高、抵押難等諸多因素一直成為阻礙“三農’發(fā)展的大問題。對陳舊的蚌埠農村信用社改革,發(fā)展成為現(xiàn)在的蚌埠農村商業(yè)銀行,蚌埠農村商業(yè)銀行自身的變革也為蚌埠的農村經(jīng)濟發(fā)展帶來更多的資金支持。本文對蚌埠農村商業(yè)銀行進行調研,了解蚌埠農商行在支農發(fā)展工作中的進展情況,希望對于銀行業(yè)機構在解決農村經(jīng)濟問題時具有借鑒意義。 首先,通過對我國整體農村合作金融組織在支農方面發(fā)展情況的介紹,總結出國家為解決支農中的融資、抵押等問題付出了很多的努力。包括投入的涉農貸款總量、用途及定向投放等,總體來說,規(guī)模都是逐年增加,此外,我國從財政、稅收、貨幣、監(jiān)管四大政策方面出臺一系列扶持農村金融改革和發(fā)展的文件。 隨后,本文就前期在農商行進行調研的過程、內容進行了闡述,并從調研所得資料整理出,目前蚌埠農村商業(yè)銀行在支持“三農”、縣域經(jīng)濟及農村小微企業(yè)的信貸投入力度、農村金融產(chǎn)品和服務方式的創(chuàng)新等情況。 通過對蚌埠農村商業(yè)銀行支持農村經(jīng)濟發(fā)展現(xiàn)狀的分析,總結了蚌埠農商行在支農發(fā)展過程中存在的問題,并分析原因。問題主要包括蚌埠市農村金融市場的競爭情況,使得農村市場中支農扶農的金融機構增多,帶來巨大的挑戰(zhàn)和發(fā)展機遇。在支農工作中存在許多不確定成因會增加貸款風險。目前蚌埠農商行缺乏創(chuàng)新,如技術、業(yè)務、產(chǎn)品等創(chuàng)新能力都很低,亟待解決。 在前文分析與歸納的基礎上,就蚌埠農村商業(yè)銀行在支農發(fā)展中的存在的問題給出了對策。對策從自身優(yōu)勢、市場定位、強化人才隊伍建設等方面提出,建議蚌埠農商行整合自身區(qū)域、資源等優(yōu)勢,加強員工梯隊建設,以增強自身競爭核心力,完善服務對象的征信系統(tǒng)建設,在支農服務中做出更大貢獻,同時尋找有利自身的發(fā)展點。
[Abstract]:With the sustainable development of China's socialist market economy, the financial market has also changed. In the new historical period, the state strongly advocates deepening the rural financial reform, improving the rural production and living standards, and calls for the development of "inclusive finance". The core of rural economy is rural finance. Bengbu Rural Commercial Bank, as a member of agricultural support team, will devote itself to the good development of rural financial reform. Difficult financing, high cost, mortgage and many other factors have been hindering the development of agriculture, rural areas and farmers. The reform of the old Bengbu Rural Credit Cooperatives has developed into the Bengbu Rural Commercial Bank. The reform of Bengbu Rural Commercial Bank has also brought more financial support to the rural economic development of Bengbu. This paper investigates Bengbu Rural Commercial Bank and finds out the progress of Bengbu Rural Commercial Bank in the development of supporting agriculture, hoping that it can be used as a reference for banking institutions in solving rural economic problems. First of all, through the introduction of the development of the whole rural cooperative financial organization in supporting agriculture, the paper concludes that the state has made a lot of efforts to solve the problems of financing and mortgage in supporting agriculture. Including the total amount of agricultural loans invested, their use and targeted investment, and so on. In general, the scale has increased year by year. In addition, our country has been increasing in terms of finance, taxation, currency, etc. Supervision of the four major policies issued a series of supporting rural financial reform and development documents. Then, this paper expatiates on the research process and content of the rural commercial bank in the early stage, and collates the data from the investigation. At present, the rural commercial bank of Bengbu is supporting the credit investment of the "three rural areas", the county economy and the rural small and micro enterprises. Innovation of rural financial products and services. Based on the analysis of the current situation of Bengbu Rural Commercial Bank supporting the development of rural economy, this paper summarizes the problems existing in the process of supporting agriculture development of Bengbu Rural Commercial Bank, and analyzes the reasons. The main problems include the competition of rural financial market in Bengbu, which makes the financial institutions supporting agriculture and supporting agriculture increase in the rural market, and brings great challenges and development opportunities. In the work of supporting agriculture, there are many uncertain causes that will increase the risk of loans. At present, Bengbu Agricultural Company lacks innovation, such as technology, business, products and other innovation capabilities are very low, urgent need to be solved. On the basis of previous analysis and induction, this paper puts forward some countermeasures to the problems of Bengbu Rural Commercial Bank in the development of supporting agriculture. The countermeasures are put forward from the aspects of their own advantages, market orientation, strengthening the construction of talent team and so on. It is suggested that Bengbu Agricultural and Commercial Bank should integrate its own region, resources and other advantages, strengthen the construction of staff echelons, so as to enhance the core force of its own competition. Improve the credit system construction of the service object, make greater contribution in supporting agriculture service, at the same time, look for the development point that is advantageous to oneself at the same time.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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