本文選題：兵團(tuán)十三師 + 金融服務(wù)業(yè)　； 參考：《石河子大學(xué)》2017年碩士論文

【摘要】：黨的“十八大”以后,國(guó)家放寬金融業(yè)準(zhǔn)入門(mén)檻,鼓勵(lì)金融創(chuàng)新、發(fā)展普惠金融。兵團(tuán)十三師金融服務(wù)業(yè)迅速崛起,商業(yè)銀行、金融集團(tuán)、融資擔(dān)保公司、小額貸款公司等金融機(jī)構(gòu)如雨后春筍般建立起來(lái),金融產(chǎn)品和金融服務(wù)不斷延伸。近年來(lái),在“一帶一路”國(guó)家戰(zhàn)略不斷推進(jìn),全國(guó)對(duì)口援疆工作有序開(kāi)展、新疆經(jīng)濟(jì)跨越式發(fā)展的大背景下,兵團(tuán)十三師不斷深化改革、優(yōu)化結(jié)構(gòu),金融服務(wù)業(yè)進(jìn)一步發(fā)展壯大,金融服務(wù)業(yè)在協(xié)調(diào)經(jīng)濟(jì)發(fā)展、促進(jìn)三化建設(shè)方面的作用日益凸顯。但是,由于地理、經(jīng)濟(jì)等各方面因素制約,十三師金融服務(wù)業(yè)起步晚、發(fā)展相對(duì)滯后,特別是在近年的發(fā)展中也暴露出了金融體系不健全發(fā)展不平衡、金融創(chuàng)新能力弱、金融人才匱乏等問(wèn)題。本文通過(guò)對(duì)相關(guān)理論文獻(xiàn)的回顧,尤其是對(duì)金融服務(wù)業(yè)發(fā)展領(lǐng)域的發(fā)展成果進(jìn)行研究,在闡述十三師經(jīng)濟(jì)和金融服務(wù)業(yè)發(fā)展現(xiàn)狀的基礎(chǔ)上,運(yùn)用swot分析法對(duì)十三師金融服務(wù)業(yè)發(fā)展占有的優(yōu)勢(shì)和機(jī)遇、存在的劣勢(shì)和威脅進(jìn)行分析,認(rèn)為目前十三師優(yōu)勢(shì)在于兵團(tuán)的特殊體制、較好的產(chǎn)業(yè)結(jié)構(gòu)等方面存在優(yōu)勢(shì),但是也存在金融環(huán)境和風(fēng)險(xiǎn)意識(shí)薄弱、缺乏人才等劣勢(shì),尤其是在當(dāng)前的經(jīng)濟(jì)形勢(shì)下,政策性金融機(jī)構(gòu)的支持力度相對(duì)有限,區(qū)域性金融機(jī)構(gòu)又發(fā)展相對(duì)滯后,十三師金融服務(wù)業(yè)在預(yù)防金融風(fēng)險(xiǎn)、應(yīng)對(duì)外部金融自由化沖擊等方面存在很大的威脅。對(duì)此,十三師應(yīng)進(jìn)一步解放思想轉(zhuǎn)變觀念,不斷總結(jié)經(jīng)驗(yàn)、夯實(shí)基礎(chǔ),通過(guò)完善激勵(lì)及約束機(jī)制,將業(yè)務(wù)發(fā)展與內(nèi)控內(nèi)管有機(jī)結(jié)合,不斷激發(fā)金融機(jī)構(gòu)的積極性、創(chuàng)造性和主動(dòng)性,才能有效推動(dòng)兵團(tuán)十三師金融服務(wù)業(yè)的發(fā)展,提高競(jìng)爭(zhēng)力。同時(shí),本文通過(guò)問(wèn)題導(dǎo)向,經(jīng)過(guò)分析研判,結(jié)合實(shí)際提出十三師未來(lái)金融服務(wù)業(yè)發(fā)展的戰(zhàn)略選擇,包括深化改革,完善金融組織體系建設(shè)、促進(jìn)信貸結(jié)構(gòu)調(diào)整、推進(jìn)征信體系建設(shè)完善擔(dān)保機(jī)制、大力發(fā)展資本市場(chǎng)、引進(jìn)和培養(yǎng)金融專業(yè)人才等,以確保未來(lái)十三師金融服務(wù)業(yè)的健康穩(wěn)定發(fā)展。
[Abstract]:After the 18th Party Congress, the state relaxed the entry threshold of financial industry, encouraged financial innovation and developed inclusive finance. With the rapid rise of the financial services industry of the 13th Division of the Bingtuan, commercial banks, financial groups, financing guarantee companies, microfinance companies and other financial institutions have been springing up, and financial products and financial services have been continuously extended. In recent years, in the context of the continuous promotion of the national strategy of "Belt and Road", the orderly development of national counterpart assistance to Xinjiang, and the great-leap-forward development of Xinjiang's economy, the 13th Division of the Corps has continuously deepened its reform and optimized its structure. The financial service industry has further developed and strengthened. The financial service industry plays an increasingly important role in coordinating economic development and promoting the construction of the three modernizations. However, due to geographical, economic and other factors, the financial services industry of the Thirteenth Division started late and lagged behind in its development. Especially in recent years, the development of the financial system has also exposed the imbalance in the development of the financial system and the weak ability of financial innovation. Financial talent shortage and other problems. Based on the review of relevant theoretical literature, especially the research on the development results of financial service industry, this paper expounds the current situation of economic and financial services development in the 13th division. This paper analyzes the advantages, opportunities, disadvantages and threats in the development of the 13th division's financial service industry by using swot analysis method. It is concluded that the advantages of the 13th Division lie in the special system of the Corps and the better industrial structure, and so on. However, there are also weaknesses such as weak financial environment and risk awareness, lack of talents, etc. Especially in the current economic situation, the support of policy-oriented financial institutions is relatively limited, and the development of regional financial institutions is relatively lagging behind. The 13 th division financial service industry has great threat in preventing financial risk and dealing with external financial liberalization. In this regard, the 13th Division should further emancipate the mind and change ideas, continuously sum up experience, consolidate the foundation, combine business development with internal control and internal management through perfecting the incentive and restraint mechanisms, and continuously stimulate the enthusiasm of financial institutions. Creativity and initiative can effectively promote the development of the financial services industry of the 13th Division of the Corps and improve its competitiveness. At the same time, through problem-oriented, through analysis and judgment, this paper puts forward a strategic choice for the future development of financial service industry in the 13th division, including deepening reform, perfecting the construction of financial organization system, and promoting the adjustment of credit structure. In order to ensure the healthy and stable development of the financial service industry in the future, the credit system should be promoted, the guarantee mechanism should be improved, the capital market should be developed vigorously, and financial professionals should be introduced and trained.
【學(xué)位授予單位】：石河子大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.7

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