本文選題：泰安市 + 農(nóng)村商業(yè)銀行��； 參考：《山東農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：泰安市農(nóng)村經(jīng)濟(jì)的發(fā)展是解決泰安市“三農(nóng)”問題、促進(jìn)其經(jīng)濟(jì)健康發(fā)展的重要保證,農(nóng)村商業(yè)銀行是農(nóng)村主要的正規(guī)金融機(jī)構(gòu),是影響農(nóng)村經(jīng)濟(jì)發(fā)展的重要金融因素,但是泰安市農(nóng)村商業(yè)銀行在發(fā)展的歷程中仍存在著一些問題,制約著其金融主力軍作用的發(fā)揮。本文以金融發(fā)展理論、供給需求理論和農(nóng)民經(jīng)濟(jì)行為理論為基礎(chǔ),利用具有代表性的調(diào)查數(shù)據(jù)以及國內(nèi)外的農(nóng)村合作金融或農(nóng)村商業(yè)銀行歷史進(jìn)程發(fā)展中的一些有價值的先進(jìn)經(jīng)驗(yàn),以規(guī)范分析和實(shí)證分析的方法對泰安市農(nóng)村商業(yè)銀行發(fā)展中存在的問題做細(xì)致全面的研究。比較分析泰安市農(nóng)村商業(yè)銀行發(fā)展中存在的問題。實(shí)證分析評價了泰安市農(nóng)村商業(yè)銀行的改革績效,以及對泰安市農(nóng)村經(jīng)濟(jì)發(fā)展的貢獻(xiàn)率。規(guī)范分析了泰安市農(nóng)村商業(yè)銀行的產(chǎn)權(quán)特點(diǎn)及法人治理結(jié)構(gòu)的現(xiàn)狀、不足及其成因。最后提出解決泰安市農(nóng)村商業(yè)銀行可持續(xù)發(fā)展的對策建議。農(nóng)村商業(yè)銀行發(fā)展的主要目的是實(shí)現(xiàn)自身的可持續(xù)性發(fā)展和為農(nóng)村經(jīng)濟(jì)的發(fā)展提供重要的金融保證。本研究通過對泰安市農(nóng)戶抽樣調(diào)查和典型調(diào)查,系統(tǒng)分析農(nóng)村商業(yè)銀行對農(nóng)戶金融需求的滿足程度,以及農(nóng)村商業(yè)銀行對農(nóng)村金融的供給能力,試圖分析農(nóng)村商業(yè)銀行在何種程度上支持農(nóng)村經(jīng)濟(jì)發(fā)展。本文在金融發(fā)展理論農(nóng)民經(jīng)濟(jì)相關(guān)理論的基礎(chǔ)上,借鑒省內(nèi)外農(nóng)村金融改革的成功經(jīng)驗(yàn),并運(yùn)用定性分析與定量分析的方法來分析泰安市農(nóng)村商業(yè)銀行金融發(fā)展的缺陷及形成原因,并在此基礎(chǔ)上提出改進(jìn)監(jiān)管模式、防止農(nóng)村資金流出農(nóng)村、準(zhǔn)確定位縣域金融機(jī)構(gòu)、健全農(nóng)村金融體制等有針對性的對策。本文在論述泰安市農(nóng)村商業(yè)銀行金融發(fā)展中存在的不足的基礎(chǔ)上,著重探討了農(nóng)村金融服務(wù)和金融產(chǎn)品缺乏等方面的問題,提出針對性的措施,對改善泰安市農(nóng)村商業(yè)銀行金融發(fā)展具有借鑒意義。
[Abstract]:The development of rural economy in Tai'an City is an important guarantee to solve the problem of "agriculture, countryside and farmers" and to promote the healthy development of its economy. The rural commercial banks are the main formal financial institutions in rural areas and the important financial factors that affect the development of rural economy. However, there are still some problems in the development of Taian Rural Commercial Bank, which restrict the exertion of its main financial force. This paper is based on the theory of financial development, the theory of supply and demand and the theory of farmers' economic behavior. Using representative survey data and some valuable and advanced experience in the development of rural cooperative finance or rural commercial banks at home and abroad, This paper makes a detailed and comprehensive study on the problems existing in the development of Taian Rural Commercial Bank by means of normative analysis and empirical analysis. The problems existing in the development of rural commercial banks in Tai'an City are compared and analyzed. This paper analyzes and evaluates the reform performance of Taian Rural Commercial Bank and its contribution to the rural economic development of Tai'an City. This paper analyzes the characteristics of property rights of rural commercial banks in Taian City and the present situation of corporate governance structure, deficiency and its causes. Finally, the countermeasures and suggestions to solve the sustainable development of Taian Rural Commercial Bank are put forward. The main purpose of the development of rural commercial banks is to realize their own sustainable development and to provide important financial guarantee for the development of rural economy. Based on the sample survey and typical survey of rural households in Tai'an City, this study systematically analyzes the degree of rural commercial banks' satisfaction with farmers' financial needs, and the supply capacity of rural commercial banks to rural finance. This paper attempts to analyze the extent to which rural commercial banks support rural economic development. Based on the theory of financial development, this paper draws lessons from the successful experiences of rural financial reform in and outside the province. The qualitative analysis and quantitative analysis are used to analyze the defects and causes of the financial development of Taian Rural Commercial Bank. On the basis of this, the author proposes to improve the supervision mode, prevent the rural capital from flowing out of the countryside, and accurately locate the county financial institutions. Improve the rural financial system and other targeted countermeasures. On the basis of discussing the deficiency in the financial development of Taian Rural Commercial Bank, this paper focuses on the problems of the lack of rural financial services and financial products, and puts forward some targeted measures. To improve the Taian City rural commercial bank financial development has reference significance.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35;F274

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