【摘要】：長期以來,農(nóng)村金融服務(wù)匱乏一直是制約農(nóng)村經(jīng)濟(jì)發(fā)展的重要瓶頸之一。為解決農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)及金融服務(wù)供給不足等問題,銀監(jiān)會(huì)調(diào)整了農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)的準(zhǔn)入門檻,以促進(jìn)農(nóng)村金融的多元化發(fā)展。五家渠國民村鎮(zhèn)銀行作為新疆維吾爾自治區(qū)首家村鎮(zhèn)銀行、兵團(tuán)首家法人銀行對(duì)于促進(jìn)地區(qū)農(nóng)村金融發(fā)展水平的提升、緩解城鄉(xiāng)金融發(fā)展不平衡起到了重要的作用。但是在經(jīng)濟(jì)“新常態(tài)”以及“一帶一路”戰(zhàn)略背景下,如何促進(jìn)五家渠國民村鎮(zhèn)銀行健康、快速發(fā)展,突破發(fā)展瓶頸,選擇合適的發(fā)展模式是關(guān)鍵。本文針對(duì)現(xiàn)階段五家渠國民村鎮(zhèn)銀行的發(fā)展現(xiàn)狀進(jìn)行了研究,在充分了解了其發(fā)展困境以后,對(duì)其發(fā)展模式進(jìn)行了選擇并提出了相應(yīng)的政策建議。本文分為三部分:第一部分包括第一章,主要對(duì)本文研究的背景、意義、研究綜述和方法等進(jìn)行了介紹;第二部分包括第二章、第三章,主要對(duì)五家渠國民村鎮(zhèn)銀行的發(fā)展現(xiàn)狀以及面臨的發(fā)展環(huán)境進(jìn)行了分析;第三部分包括第四章和第五章,主要對(duì)五家渠國民村鎮(zhèn)銀行的發(fā)展進(jìn)行了定位并對(duì)其發(fā)展模式進(jìn)行了選擇。本文最后得出研究結(jié)論如下:(1)五家渠國民村鎮(zhèn)銀行定位于以溫飽型農(nóng)戶和涉農(nóng)中小企業(yè)為主要服務(wù)對(duì)象和客戶群體,以農(nóng)戶個(gè)人及中小企業(yè)小額借貸為主要發(fā)展業(yè)務(wù),以促進(jìn)團(tuán)場及農(nóng)業(yè)產(chǎn)業(yè)化發(fā)展。(2)五家渠國民村鎮(zhèn)銀行的發(fā)展模式為以兵團(tuán)黨政支持為依托,發(fā)展資本結(jié)構(gòu)以民營資本為主體,服務(wù)對(duì)象以新疆墾區(qū)中小企業(yè)和團(tuán)場農(nóng)牧職工為主體,嚴(yán)格按照現(xiàn)代企業(yè)制度運(yùn)行,將維持本土經(jīng)營模式和直接參股模式相結(jié)合,實(shí)行混合模式發(fā)展道路,以促進(jìn)五家渠國民村鎮(zhèn)銀行的進(jìn)一步發(fā)展。
[Abstract]:For a long time, the lack of rural financial services has been one of the important bottlenecks restricting the development of rural economy. In order to solve the problems of insufficient supply of banking financial institutions and financial services in rural areas, CBRC adjusted the entry threshold of banking financial institutions in rural areas to promote the diversified development of rural finance. As the first village and town bank in Xinjiang Uygur Autonomous region, the first legal person bank has played an important role in promoting the level of rural financial development and alleviating the imbalance between urban and rural financial development. However, under the background of "new normal" and "Belt and Road" strategy, how to promote the healthy and rapid development of Wujiaqu National Village and Town Bank, break through the bottleneck of development, and choose a suitable development model is the key. This article has carried on the research to the present stage Wujiaqu National Village Town Bank's development present situation, after fully understood its development predicament, has carried on the choice to its development pattern and proposed the corresponding policy proposal. This paper is divided into three parts: the first part includes the first chapter, mainly introduces the background, significance, research review and methods of this paper, the second part includes the second chapter, the third chapter, The paper mainly analyzes the development situation and the development environment of the Wujiaqu National Village Bank. The third part includes the fourth and fifth chapters. This paper focuses on the development of Wujiaqu National Village Bank and the choice of its development model. The conclusions of this paper are as follows: (1) the Wujiaqu National Village Bank is oriented to take the subsistence farmers and the small and medium-sized agricultural enterprises as the main service objects and customer groups, and to take the individual farmers and small and medium-sized enterprises as the main development business. (2) the development model of Wujiaqu National Village and Town Bank is based on the support of the Party and government of the Corps, and the main body of the development of capital structure is the private capital. The clients of the service are small and medium-sized enterprises in Xinjiang Reclamation area and farm and animal husbandry workers on the farm, which strictly operate in accordance with the modern enterprise system, combine the maintenance of local business model with the mode of direct equity participation, and implement a mixed mode of development. In order to promote the further development of Wujiaqu National Village Bank.
【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)】：F832.35

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