本文選題：發(fā)展戰(zhàn)略 + 村鎮(zhèn)銀行　； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：我國(guó)自上世紀(jì)改革開(kāi)放以來(lái),成鄉(xiāng)收入差距逐年拉大,經(jīng)濟(jì)發(fā)展呈現(xiàn)二元經(jīng)濟(jì)特征�！叭r(nóng)”問(wèn)題突出,如果不能有效解決,我國(guó)將很難跨越中等收入陷阱,經(jīng)濟(jì)發(fā)展也會(huì)受到嚴(yán)重影響。因此解決好農(nóng)村、農(nóng)民、農(nóng)業(yè)問(wèn)題就需要把農(nóng)村金融業(yè)搞活,一個(gè)農(nóng)村地區(qū)的金融發(fā)展成熟度與金融創(chuàng)新能力,決定了這一地區(qū)的“三農(nóng)”經(jīng)濟(jì)發(fā)展程度,資本與農(nóng)業(yè)產(chǎn)業(yè)結(jié)合的越緊密,農(nóng)業(yè)發(fā)展程度就越高,農(nóng)民的收入也越高。金融業(yè)在現(xiàn)代經(jīng)濟(jì)發(fā)展中扮演著非常重要的角色,金融可以讓資本像血液一樣自由流動(dòng),它在各行業(yè)發(fā)展中處于核心地位。吉林省是我國(guó)的農(nóng)業(yè)大省,農(nóng)村金融改革也首當(dāng)其沖,作為第一批設(shè)立村鎮(zhèn)銀行的試點(diǎn)省份,為吉林省農(nóng)村經(jīng)濟(jì)的發(fā)展注入了活力,取得了良好的社會(huì)反響,為其它省份做出了示范效應(yīng)。然而在當(dāng)今經(jīng)濟(jì)發(fā)展日新月異的今天,村鎮(zhèn)銀行作為小型金融機(jī)構(gòu)雖然得到國(guó)家和地方政策的扶持,但在金融市場(chǎng)競(jìng)爭(zhēng)異常激烈的今天,還面臨著諸多發(fā)展中亟待解決的問(wèn)題,如資金來(lái)源過(guò)窄、市場(chǎng)定位不清、人才儲(chǔ)備不足、金融科技水平落后等問(wèn)題。雙遼吉銀村鎮(zhèn)銀行在面臨這些威脅和問(wèn)題時(shí),就要要求企業(yè)靈活面對(duì),依據(jù)本地市場(chǎng)的特定環(huán)境,制定好相應(yīng)的戰(zhàn)略發(fā)展規(guī)劃和實(shí)施方案。本文通過(guò)研究雙遼吉銀村鎮(zhèn)銀行的發(fā)展戰(zhàn)略,試圖探索出適合村鎮(zhèn)銀行可持續(xù)發(fā)展的思路,為其它村鎮(zhèn)銀行的戰(zhàn)略發(fā)展拋磚引玉,提供一些可供借鑒的經(jīng)驗(yàn)。本文共分成四部分。第一章緒論,闡述了文章研究村鎮(zhèn)銀行發(fā)展戰(zhàn)略的背景和意義,介紹了研究思路和方法,將國(guó)內(nèi)關(guān)于村鎮(zhèn)銀行發(fā)展的研究現(xiàn)狀和成果做了匯總;第二章描述了我國(guó)村鎮(zhèn)銀行的整體發(fā)展情況,對(duì)雙遼吉銀村鎮(zhèn)銀行的發(fā)展現(xiàn)狀做了介紹,提出了在雙遼吉銀村鎮(zhèn)銀行的發(fā)展過(guò)程中面臨的問(wèn)題及成因分析;第三章是對(duì)雙遼吉銀村鎮(zhèn)銀行戰(zhàn)略環(huán)境的整體分析,外部環(huán)境分析從法律政策、經(jīng)濟(jì)因素、社會(huì)環(huán)境和技術(shù)因素入手,用到了PEST分析法。內(nèi)部環(huán)境分析法則是從資產(chǎn)運(yùn)營(yíng)、公司管理能力入手做了分析。并利用SWOT分析,詳細(xì)分析了雙遼吉銀村鎮(zhèn)銀行在經(jīng)營(yíng)發(fā)展過(guò)程中所面臨的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)和威脅。第四章是雙遼吉銀村鎮(zhèn)銀行發(fā)展戰(zhàn)略的制定和實(shí)施,綜合前文分析的基礎(chǔ)上確立了發(fā)展戰(zhàn)略目標(biāo),并以第三章SWOT分析得出了四種戰(zhàn)略選擇,結(jié)合村鎮(zhèn)銀行的發(fā)展實(shí)際與本地農(nóng)村金融市場(chǎng)的特點(diǎn),確定了雙遼吉銀村鎮(zhèn)銀行的發(fā)展戰(zhàn)略組合,制定了多項(xiàng)發(fā)展戰(zhàn)略的保障措施。文章最后對(duì)雙遼吉銀村鎮(zhèn)銀行的發(fā)展戰(zhàn)略選擇和方案作了總結(jié)。
[Abstract]:Since the reform and opening to the outside world in the last century, the income gap in Chengxiang has widened year by year, and the economic development is characterized by dual economy. The problem of "agriculture, countryside and farmers" is outstanding. If we can't solve it effectively, it will be difficult for our country to cross the middle income trap and the economic development will be seriously affected. Therefore, to solve the rural, peasant and agricultural problems, we need to invigorate the rural financial sector. The maturity of financial development and the ability of financial innovation in a rural area determine the degree of economic development of the "three rural areas" in this region. The closer the combination of capital and agricultural industry, the higher the degree of agricultural development and the higher the income of farmers. Financial industry plays a very important role in the development of modern economy. Finance can make capital flow freely as blood, and it plays a core role in the development of various industries. Jilin Province is a big agricultural province in China, and the rural financial reform is also the first to bear the brunt. As the first pilot province to set up village and town banks, Jilin Province has injected vitality into the development of the rural economy of Jilin Province, and has achieved a good social response. A demonstration effect has been made for other provinces. However, with the rapid economic development today, village banks, as small financial institutions, are supported by national and local policies, but today, when the competition in the financial market is extremely fierce, they are still facing many problems that need to be solved in their development. If the source of funds is too narrow, the market position is unclear, the talent reserve is insufficient, the financial science and technology level lags behind and so on. In the face of these threats and problems, Shuangliao Jiyin Village Bank should require enterprises to face flexibly and formulate the corresponding strategic development plan and implementation plan according to the specific environment of the local market. By studying the development strategy of Shuangliao Jiyin Village Bank, this paper tries to find out some ideas suitable for the sustainable development of village bank, and to offer some experience for reference for the strategic development of other village and town banks. This paper is divided into four parts. The first chapter introduces the background and significance of the research on the development strategy of the village bank, introduces the research ideas and methods, and summarizes the current situation and achievements of the research on the development of the village bank in China. The second chapter describes the overall development of the village and town bank in China, introduces the current situation of the development of Shuangliaoji Silver Village Bank, and puts forward the problems and causes in the development process of Shuangliaoji Silver Village Bank. The third chapter is the overall analysis of the strategic environment of Shuangliao Jiyin Village Bank, the external environment analysis from the legal policy, economic factors, social environment and technical factors, the use of PEST analysis. The internal environment analysis principle is from the asset operation, the company manages the ability to start to do the analysis. Using SWOT analysis, this paper analyzes in detail the advantages, disadvantages, opportunities and threats faced by Shuangliao Jiyin Village Bank in the process of operation and development. The fourth chapter is the formulation and implementation of the development strategy of Shuangliao Jiyin Village Bank. On the basis of the above analysis, the author establishes the development strategy goal, and obtains four strategic choices by the third chapter SWOT analysis. Combined with the development practice of village bank and the characteristics of local rural financial market, this paper determines the development strategy combination of Shuangliao Jiyin Village Bank, and formulates several safeguard measures of development strategy. Finally, the article summarizes the development strategy and scheme of Shuangliao Ji Yin Town Bank.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35

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