本文選題：寧夏銀行　切入點：農(nóng)村金融　出處：《寧夏大學(xué)》2017年碩士論文

【摘要】：寧夏銀行成立于1998年,是由寧夏回族自治區(qū)、銀川市兩級政府組建的一家股份制城市商業(yè)銀行。寧夏銀行堅持“服務(wù)中小企業(yè)、服務(wù)城鄉(xiāng)居民”的市場定位,走特色化、差異化的業(yè)務(wù)發(fā)展道路,在寧夏地區(qū)市場占有率連續(xù)多年領(lǐng)先。近年來,受經(jīng)濟(jì)下行影響,商業(yè)銀行經(jīng)營水平出現(xiàn)明顯下滑,2012-2016年,國內(nèi)銀行業(yè)增速畫出了一條從“兩位數(shù)”到“個位數(shù)”到“零時代”的自由落體式軌跡,銀行規(guī)模邊際效益銳減。寧夏銀行在激烈的競爭環(huán)境中資源稀缺、增長點匱乏,急需挖掘新的市場、新的產(chǎn)品,突破現(xiàn)有模式�！叭r(nóng)”金融服務(wù)一直是金融創(chuàng)新的熱點和難點,面對當(dāng)前并不活躍的整體市場狀況,將注意力放在農(nóng)村金融產(chǎn)品的創(chuàng)新與發(fā)展是十分有必要的。長期以來,農(nóng)村金融市場主要被農(nóng)業(yè)銀行、農(nóng)村信用社占有,寧夏銀行只注重城市相關(guān)金融產(chǎn)品的開發(fā),農(nóng)村金融市場比重很小。寧夏銀行目前農(nóng)村信貸品種單一,創(chuàng)新性、吸引力不足,有效的將市場整合的能力弱,造成了市場分散,信貸資產(chǎn)質(zhì)量較差的現(xiàn)狀。本文從解決現(xiàn)階段寧夏銀行農(nóng)村金融產(chǎn)品匱乏,農(nóng)村信貸資產(chǎn)質(zhì)量不足的問題為出發(fā)點,通過分析當(dāng)前寧夏農(nóng)村金融現(xiàn)狀找出寧夏銀行發(fā)展農(nóng)村信貸產(chǎn)品的著力點,在分析結(jié)果的基礎(chǔ)上探索農(nóng)村信貸產(chǎn)品的營銷模式,建立創(chuàng)新型農(nóng)村信貸產(chǎn)品的設(shè)計方案,設(shè)計出滿足寧夏農(nóng)村需要的農(nóng)村信貸產(chǎn)品。為寧夏銀行的業(yè)務(wù)創(chuàng)新提供思路。
[Abstract]:Established in 1998, Ningxia Bank is a joint-stock city commercial bank set up by the Ningxia Hui Autonomous region and Yinchuan municipal government. Ningxia Bank insists on the market orientation of "serving small and medium-sized enterprises and serving urban and rural residents." The differentiated business development path has led the market share in Ningxia for many years. In recent years, under the influence of the economic downturn, the level of commercial banks' business operation has declined significantly in 2012-2016. The growth rate of domestic banking has drawn a free-fall trajectory from "double digit" to "single digit" to "zero era", and the marginal benefit of bank size has been drastically reduced. In the fierce competitive environment, Ningxia banks are scarce in resources and lack of growth points. It is urgent to tap new markets, new products and break through the existing model. The "three rural" financial services have always been the hot and difficult points of financial innovation, facing the current inactive overall market situation. It is very necessary to pay attention to the innovation and development of rural financial products. For a long time, the rural financial market has mainly been occupied by the Agricultural Bank and the Rural Credit Cooperatives. The Ningxia Bank only pays attention to the development of urban related financial products. The proportion of rural financial markets is very small. At present, the Bank of Ningxia has a single variety of rural credit, innovative and unattractive, and its ability to effectively integrate the market is weak, resulting in market fragmentation. The present situation of the poor quality of credit assets. This paper starts from solving the problem that the rural financial products of Ningxia Bank are scarce and the quality of rural credit assets is insufficient. By analyzing the present situation of rural finance in Ningxia to find out the focus of Ningxia Bank to develop rural credit products, on the basis of the analysis results, to explore the marketing model of rural credit products, and to establish the design scheme of innovative rural credit products. To design rural credit products to meet the needs of Ningxia rural areas and provide ideas for the business innovation of Ningxia Bank.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

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