【摘要】：隨著我國(guó)經(jīng)濟(jì)政治改革進(jìn)程的加快，我國(guó)金融體制也進(jìn)入到變革的大潮之中。銀行業(yè)作為金融業(yè)的根基，能否健康發(fā)展決定了我國(guó)金融市場(chǎng)乃至經(jīng)濟(jì)的發(fā)展形勢(shì)。銀行業(yè)務(wù)中最古老最根本的是信貸業(yè)務(wù)，信貸業(yè)務(wù)所衍生出來(lái)的信貸文化也就成了當(dāng)今經(jīng)濟(jì)形勢(shì)下展示一家銀行命運(yùn)的風(fēng)向標(biāo)。 當(dāng)今社會(huì)，文化管理已成為最先進(jìn)的管理，對(duì)一個(gè)企業(yè)來(lái)講，文化是企業(yè)的軟實(shí)力，對(duì)引領(lǐng)企業(yè)發(fā)展方向，凝聚奮斗力量，發(fā)揮著不可替代的重要作用，是企業(yè)的生存之根、發(fā)展之魂、活力之源。 國(guó)有商業(yè)銀行成立較早，經(jīng)過(guò)多年的探索，已經(jīng)積累了一定的信貸文化經(jīng)驗(yàn)，有較清晰的層次，并在不同的社會(huì)發(fā)展階段表現(xiàn)出不同的側(cè)重點(diǎn)，已經(jīng)形成了管理層和全體信貸人員共同遵守的信貸理念、信貸原則、管理制度、行為規(guī)范。 中國(guó)農(nóng)業(yè)發(fā)展銀行作為我國(guó)唯一一家農(nóng)業(yè)政策性銀行，其信貸文化既具有一般商業(yè)銀行的共同性，又具有政策性銀行的特殊性。農(nóng)發(fā)行作為政策性銀行有其特殊的產(chǎn)生原因和發(fā)展歷程，對(duì)國(guó)家宏觀經(jīng)濟(jì)的發(fā)展也起著特殊的作用。結(jié)合我國(guó)社會(huì)主義中國(guó)化的特定歷史背景，，以及作為社會(huì)主義初級(jí)階段需要實(shí)行具有中國(guó)特色的社會(huì)主義的客觀實(shí)際，對(duì)農(nóng)發(fā)行的信貸文化進(jìn)行研究有重要的現(xiàn)實(shí)意義。 本文以中國(guó)農(nóng)業(yè)發(fā)展銀行吉林省分行為研究對(duì)象，對(duì)信貸文化的培育進(jìn)行了深入的研究，在對(duì)中國(guó)農(nóng)業(yè)發(fā)展銀行吉林省分行信貸文化的現(xiàn)狀以及存在的問題進(jìn)行分析的基礎(chǔ)上，提出了信貸文化培育的相關(guān)措施。 本文主要分為四章： 第1章，首先介紹了對(duì)中國(guó)農(nóng)業(yè)發(fā)展銀行吉林省分行信貸文化進(jìn)行研究的背景，其次概述了研究的目的與意義，最后說(shuō)明了本文研究的主要內(nèi)容。 第2章,在對(duì)信貸文化的內(nèi)涵、層次及影響因素進(jìn)行分析的基礎(chǔ)上，介紹了商業(yè)銀行信貸文化發(fā)展歷程。 第3章，首先簡(jiǎn)析了農(nóng)發(fā)行信貸文化的發(fā)展歷程和特點(diǎn)，其次在對(duì)中國(guó)農(nóng)業(yè)發(fā)展銀行吉林省分行信貸文化的發(fā)展現(xiàn)狀以及存在的問題進(jìn)行了深入研究的基礎(chǔ)上，對(duì)其存在問題的原因進(jìn)行了剖析。 第4章，從信貸文化意識(shí)、信貸文化的基本原則、著力點(diǎn)與構(gòu)建機(jī)制四個(gè)方面對(duì)中國(guó)農(nóng)業(yè)發(fā)展銀行吉林省分行信貸文化的培育進(jìn)行了詳細(xì)說(shuō)明。 總之，本文從銀行信貸文化的共同性和作為政策性銀行的特殊性兩個(gè)方面對(duì)農(nóng)發(fā)行的信貸文化進(jìn)行了分析。主要側(cè)重于對(duì)于信貸文化的建設(shè)和完善方面的研究，一方面要看到其無(wú)法取代的作用和特殊意義，另一方面也要根據(jù)市場(chǎng)的進(jìn)步和金融深化的發(fā)展進(jìn)行一定程度上的優(yōu)化。努力找到阻礙農(nóng)發(fā)行信貸文化帶動(dòng)下的信貸體系發(fā)展的桎梏，并通過(guò)借鑒商業(yè)銀行成熟的信貸文化模型的先進(jìn)經(jīng)驗(yàn)，取其精粹去其糟粕，為農(nóng)發(fā)行信貸文化的進(jìn)一步完善做出貢獻(xiàn)。
[Abstract]:With the acceleration of economic and political reform, China's financial system has entered the tide of change. As the foundation of the financial industry, whether the banking industry can develop healthily or not determines the development situation of our country's financial market and economy. The oldest and most fundamental bank business is the credit business, and the credit culture derived from the credit business has become the vane of showing the fate of a bank under the current economic situation. In today's society, cultural management has become the most advanced management. For an enterprise, culture is the soft power of the enterprise, plays an irreplaceable role in guiding the development direction of the enterprise, and plays an irreplaceable role in the survival of the enterprise. The soul of development, the source of vitality. The state-owned commercial banks were established earlier, after many years of exploration, they have accumulated certain credit cultural experience, have a clear level, and show different emphases in different stages of social development. It has formed the credit concept, credit principle, management system and behavior standard that the management and all credit personnel abide by. Agricultural Development Bank of China is the only agricultural policy bank in China. Its credit culture has the commonality of general commercial bank and the particularity of policy bank. As a policy bank, Agricultural Development Bank has its special cause and development course, and also plays a special role in the development of national macro economy. Combined with the specific historical background of China's socialism in China and the objective reality of socialism with Chinese characteristics in the primary stage of socialism, it is of great practical significance to study the credit culture of Agricultural Development Bank of China. This paper takes the Jilin Branch of the Agricultural Development Bank of China as the research object, has carried on the thorough research to the credit culture cultivation, has carried on the analysis to the present situation and the existing question of the credit culture of the Jilin Branch of the Agricultural Development Bank of China. Put forward the relevant measures of cultivating credit culture. This paper is divided into four chapters: chapter 1 introduces the background of the research on the credit culture of Jilin Branch of the Agricultural Development Bank of China, then summarizes the purpose and significance of the study, and finally explains the main content of this study. Chapter 2, on the basis of analyzing the connotation, level and influencing factors of credit culture, introduces the development course of credit culture in commercial banks. In the third chapter, the author firstly analyzes the history and characteristics of the credit culture of the Agricultural Development Bank of China, and then makes a deep research on the present situation and the existing problems of the credit culture in Jilin Branch of the Agricultural Development Bank of China. The causes of the problems are analyzed. In chapter 4, the cultivation of credit culture in Jilin Branch of Agricultural Development Bank of China is explained in detail from four aspects: the consciousness of credit culture, the basic principle of credit culture, the focus of credit culture and the construction mechanism. In a word, this paper analyzes the credit culture of Agricultural Development Bank from two aspects: the commonality of bank credit culture and the particularity of being a policy bank. On the one hand, it is necessary to see its irreplaceable role and special significance, on the other hand, it should be optimized to a certain extent according to the progress of the market and the development of financial deepening. Trying to find the shackles that hinder the development of the credit system driven by the Agricultural Development Bank's credit culture, and through drawing lessons from the advanced experience of the mature credit culture model of commercial banks, and taking the essence of the credit culture model to get rid of its dross. Agricultural Development Bank for the further improvement of credit culture.
【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】：2013
【分類號(hào)】：F832.4

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