本文關(guān)鍵詞： 村鎮(zhèn)銀行 AHP分析 影響因素　出處：《東北農(nóng)業(yè)大學》2016年碩士論文　論文類型：學位論文

【摘要】：2015年10月29日召開的黨的十八屆五中全會規(guī)劃了“十三五”綱要,12月18日至21日召開的中央經(jīng)濟工作會議把工作重點轉(zhuǎn)移到落實規(guī)劃綱要上,在對創(chuàng)新金融服務(wù)、提高對實體經(jīng)濟的服務(wù)效率、防范化解金融風險等工作進行了重點部署。面對復(fù)雜的經(jīng)濟形勢,需要認真總結(jié)過去五年我國銀行業(yè)取得的主要成效和經(jīng)驗,分析當前面臨的重大機遇和挑戰(zhàn),明確未來五年的發(fā)展方向和目標,為我國銀行業(yè)創(chuàng)新發(fā)展謀好篇、布好局。我國村鎮(zhèn)銀行尤其是黑龍江省村鎮(zhèn)銀行從建立發(fā)展到現(xiàn)在,一直沒有停止改革的步伐,現(xiàn)有對黑龍江省村鎮(zhèn)銀行發(fā)展的研究主要存在兩點不足之處:一是國外學者對社區(qū)銀行的研究主要是針對發(fā)達國家,其有效的經(jīng)營方式還不能完全運用到我國村鎮(zhèn)銀行上來;二是學者以不同的視角對我國村鎮(zhèn)銀行進行研究,主要是從政府、村鎮(zhèn)銀行和監(jiān)管機構(gòu)三個方面提出對策建議,提出的對策建議在一定程度上沒有針對性。因此本文以黑龍江省村鎮(zhèn)銀行作為研究對象,首先對村鎮(zhèn)銀行的內(nèi)涵進行界定,并對其特點進行歸納,村鎮(zhèn)銀行是具有經(jīng)營規(guī)模小、經(jīng)營決策比較迅速和資金存貸集中于農(nóng)村地區(qū)的新型農(nóng)村金融機構(gòu),將農(nóng)業(yè)信貸補貼理論、農(nóng)村金融市場理論和農(nóng)村金融不完全競爭理論作為本文的理論基礎(chǔ)。其次對黑龍江省村鎮(zhèn)銀行經(jīng)營現(xiàn)狀及存在的問題進行剖析,以此為依據(jù),運用AHP分析法來對黑龍江省村鎮(zhèn)銀行經(jīng)營的影響因素進行分析,選擇4個一級指標和12個二級指標,運用AHP分析法構(gòu)建指標體系,進行一致性檢驗和綜合權(quán)重排名,并且運用比較分析法將我國典型村鎮(zhèn)銀行進行對比,為黑龍江省村鎮(zhèn)銀行的經(jīng)營提供經(jīng)驗借鑒。最后,結(jié)合實證分析的結(jié)果,得出信貸模式對黑龍江省村鎮(zhèn)銀行經(jīng)營發(fā)展來講尤為重要,基于此,本文提出黑龍江省村鎮(zhèn)銀行需要在明確價值定位、豐富信貸產(chǎn)品、創(chuàng)新抵押貸款品種、重點推行網(wǎng)絡(luò)建設(shè),加強金融環(huán)境建設(shè)五個方面進行改進,才能夠達到可持續(xù)發(fā)展的目標。
[Abstract]:In October 29th 2015, the Fifth Plenary session of the 18 CPC Central Committee planned the outline of the 13th Five-Year Plan. The central economic work conference held from December 18th to 21st shifted the focus of the work to the implementation of the outline of the plan to innovate financial services and improve the efficiency of service to the real economy. In the face of the complex economic situation, it is necessary to seriously sum up the main achievements and experiences of China's banking industry in the past five years, and analyze the major opportunities and challenges facing China. Make clear the development direction and goal of the next five years, seek for our country's banking industry innovation and development, lay a good bureau. Our country village bank, especially the Heilongjiang province village bank develops from the establishment to the present. Has not stopped the pace of reform, the existing research on the development of village banks in Heilongjiang Province, there are two main deficiencies: first, the study of foreign scholars on community banks is mainly aimed at developed countries. Its effective management method can not be fully applied to the village bank of our country; Second, scholars from different perspectives of the study of rural banks in China, mainly from the government, village banks and regulatory bodies to put forward three aspects of countermeasures. Therefore, this paper takes Heilongjiang Village Bank as the research object, first of all, the connotation of the village bank is defined, and its characteristics are summarized. Village bank is a new type of rural financial institution with small operation scale, rapid management decision and concentrated fund deposit and loan in the rural area. The theory of agricultural credit subsidy is put forward. The theory of rural financial market and the theory of incomplete competition of rural finance are the theoretical basis of this paper. Secondly, the paper analyzes the present situation and existing problems of rural banks in Heilongjiang Province, based on which. AHP analysis method is used to analyze the influencing factors of village and town bank management in Heilongjiang province. Four primary indexes and 12 secondary indexes are selected and the index system is constructed by using AHP analysis method. Consistency test and comprehensive weight ranking, and the use of comparative analysis to compare the typical village banks in China, for Heilongjiang Province village banks to provide experience for reference. Finally, combined with the results of empirical analysis. The conclusion is that the credit model is particularly important for the development of village banks in Heilongjiang Province. Based on this, this paper puts forward that the village banks in Heilongjiang Province need to define the value orientation, enrich credit products, and innovate the variety of mortgage loans. Only by carrying out network construction and strengthening financial environment construction can we achieve the goal of sustainable development.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.35
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本文編號：1445134