【摘要】：金融是經(jīng)濟(jì)發(fā)展的血液,農(nóng)村金融是農(nóng)村經(jīng)濟(jì)的命脈,大力發(fā)展農(nóng)村金融對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展以及農(nóng)業(yè)產(chǎn)業(yè)化具有積極的推進(jìn)作用。榮成市農(nóng)村信用社在增加農(nóng)民收入、推動(dòng)縣域經(jīng)濟(jì)發(fā)展方面發(fā)揮著積極作用,它的良性運(yùn)轉(zhuǎn)對(duì)于榮成市縣域經(jīng)濟(jì)的健康發(fā)展有著重要意義。當(dāng)前關(guān)于基層農(nóng)村信用社的研究成果相對(duì)匱乏,論文基于合作經(jīng)濟(jì)理論及金融抑制和金融深化理論,采用文獻(xiàn)法搜集相關(guān)文獻(xiàn)資料,結(jié)合實(shí)地調(diào)研,系統(tǒng)回顧了山東省榮成市農(nóng)村信用社的發(fā)展歷程,闡述其發(fā)展現(xiàn)狀,深入分析其發(fā)展中存在的問(wèn)題,進(jìn)而吸收、借鑒已有的研究成果,有針對(duì)性地提出了促進(jìn)榮成市農(nóng)村信用社發(fā)展的對(duì)策建議。首先,闡述了榮成市農(nóng)村信用社的發(fā)展現(xiàn)狀。以榮成市縣域經(jīng)濟(jì)發(fā)展情況為背景,在闡述榮成市農(nóng)村信用社發(fā)展歷程的基礎(chǔ)上,從人員結(jié)構(gòu)、機(jī)構(gòu)設(shè)置、資產(chǎn)管理、業(yè)務(wù)規(guī)模、企業(yè)文化等方面分析了榮成市農(nóng)村信用社的發(fā)展現(xiàn)狀。其次,系統(tǒng)分析了榮成市農(nóng)村信用社發(fā)展中存在的主要問(wèn)題。榮成市農(nóng)村信用社作為支農(nóng)性銀行,對(duì)榮成市農(nóng)村經(jīng)濟(jì)的發(fā)展起到了積極的推進(jìn)作用,但是在快速發(fā)展過(guò)程中很多問(wèn)題也顯現(xiàn)了出來(lái)。主要包括:產(chǎn)權(quán)不明,員工積極性較低;資金來(lái)源渠道單一,支農(nóng)力度弱;創(chuàng)新不足,服務(wù)項(xiàng)目單一;內(nèi)部管控不足,經(jīng)營(yíng)風(fēng)險(xiǎn)較大;員工知識(shí)水平較低,發(fā)展后勁不足。最后,基于榮成市農(nóng)村信用社發(fā)展實(shí)際,借鑒已有的研究成果,有針對(duì)性地提出了對(duì)策建議:堅(jiān)定發(fā)展思路,明確功能定位;明晰產(chǎn)權(quán)結(jié)構(gòu),優(yōu)化資源配置;健全內(nèi)部管理控制機(jī)制,調(diào)整人員結(jié)構(gòu);完善相關(guān)法規(guī),加強(qiáng)政府扶持力度;創(chuàng)新農(nóng)村金融產(chǎn)品,拓展資金來(lái)源渠道。
[Abstract]:Finance is the blood of economic development, rural finance is the lifeblood of rural economy, and vigorously developing rural finance plays a positive role in promoting rural economic development and agricultural industrialization. Rongcheng Rural Credit Cooperative plays an active role in increasing farmers' income and promoting the development of county economy. Its benign operation is of great significance to the healthy development of county economy in Rongcheng City. At present, the research results of rural credit cooperatives at the grass-roots level are relatively scarce. Based on the theory of cooperative economy, financial repression and financial deepening theory, the paper adopts the literature method to collect relevant literature materials, combined with field research. This paper systematically reviews the development course of rural credit cooperatives in Rongcheng City, Shandong Province, expounds the present situation of their development, deeply analyzes the problems existing in their development, and then absorbs and draws lessons from the existing research results. The countermeasures and suggestions to promote the development of RCCs in Rongcheng City are put forward. First of all, elaborated Rongcheng City rural credit cooperative's development present situation. Based on the development of county economy in Rongcheng City, and on the basis of expounding the course of development of RCCs in Rongcheng City, this paper discusses the personnel structure, institutional setup, asset management, business scale, etc. Enterprise culture and other aspects of the analysis of Rongcheng City rural credit cooperatives development. Secondly, the main problems in the development of Rongcheng Rural Credit Cooperatives are analyzed systematically. As an agricultural bank, Rongcheng Rural Credit Cooperative has played a positive role in promoting the development of rural economy in Rongcheng City, but in the process of rapid development, many problems have also emerged. Mainly include: unclear property rights, low enthusiasm of employees; single source of funds, weak support for agriculture; insufficient innovation, single service items; insufficient internal control, greater operational risk; low level of staff knowledge, lack of development stamina. Finally, based on the development practice of Rongcheng Rural Credit Cooperatives and using the existing research results for reference, the paper puts forward countermeasures and suggestions: firmly developing ideas, defining function orientation, clarifying property right structure and optimizing resource allocation; Improve internal management and control mechanism, adjust personnel structure; improve relevant laws and regulations, strengthen government support; innovate rural financial products, expand funding sources.
【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(lèi)號(hào)】：F832.35

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本文編號(hào)：2204999