本文關(guān)鍵詞： 資源型銀行 比較優(yōu)勢 畢節(jié)試驗區(qū) 西部大開發(fā) 資源稟賦　出處：《西南財經(jīng)大學》2013年碩士論文　論文類型：學位論文

【摘要】：隨著社會經(jīng)濟的進一步發(fā)展,金融機構(gòu)競爭日趨激烈,在金融產(chǎn)品同質(zhì)化嚴重,金融機構(gòu)特色化相對缺乏,金融需求多樣化呈現(xiàn)的新形勢下,要擺脫多年來過度競爭的“紅�！蹦Ｊ�,選擇適合自身的“藍海”策略,貴州畢節(jié)農(nóng)行需要在充分論證和深入思考的前提下,結(jié)合自身特色、當?shù)卣邇?yōu)勢和資源條件,揚長避短,因地制宜,契合資源稟賦,充分發(fā)揮畢節(jié)農(nóng)行比較優(yōu)勢,不斷提升核心競爭力和價值創(chuàng)造力,逐漸形成自己的經(jīng)營特色和更優(yōu)的發(fā)展模式,在一定時期內(nèi)把畢節(jié)農(nóng)行建設成資源型信貸資產(chǎn)占主導地位的資源型銀行。 貴州畢節(jié),作為資源富集的西隅之地,由于歷史、地理等原因,其沒有得到有效的開發(fā),社會、經(jīng)濟等從全國范圍來看發(fā)展相對滯后。近二十年來在中央各部委、省委、省政府關(guān)心支持下,畢節(jié)得益于“試驗區(qū)”政策優(yōu)勢,正在加快自身資源的開發(fā)和利用水平,提高資源的使用效率和循環(huán)利用,建設獨具特色的新型資源經(jīng)濟,并已取得經(jīng)濟社會健康發(fā)展的初步成效。近十年來,畢節(jié)經(jīng)濟增長已進入相應的成長階段,與2002年相比,畢節(jié)全市生產(chǎn)總值由138.65億元增長到2012年的877.96億元,增長幅度達533.22%；財政收入從2002年17.24億元增長到2012年的247.71億元,增長幅度達1336.83%。 本文正是以此為背景,利用EMBA所學的經(jīng)濟管理理論,在比較畢節(jié)農(nóng)行自身優(yōu)勢的前提下,力求尋找到一條與社會發(fā)展相協(xié)調(diào)、與政府規(guī)劃相適應、在同業(yè)中具有競爭力的特色發(fā)展道路：其一是有利于轉(zhuǎn)變畢節(jié)農(nóng)行自身發(fā)展模式,為新一輪的市場競爭設計更好的發(fā)展思路；二是發(fā)揮農(nóng)業(yè)銀行更好地支持地方經(jīng)濟建設的主力作用；三是能形成一種新的發(fā)展戰(zhàn)略和核心競爭力,為金融機構(gòu)因地制宜選擇性的進行市場開拓提供借鑒。 基于此,本論文主要分為5個主要部分： 第一部分,緒論,主要介紹本文的選題背景、研究內(nèi)容、研究方法和研究邏輯,以及論文的貢獻與不足； 第二部分,主要從畢節(jié)經(jīng)濟概況、資源經(jīng)濟優(yōu)勢、有利的政策支持、快速發(fā)展的經(jīng)濟以及區(qū)位優(yōu)勢等方面說明了建設資源型銀行的基礎(chǔ)及條件； 第三部分是對畢節(jié)農(nóng)行及全市主要金融機構(gòu)的比較分析,該部分內(nèi)容涉及了畢節(jié)農(nóng)行概況、畢節(jié)農(nóng)行業(yè)務發(fā)展現(xiàn)狀分析以及全市金融機構(gòu)比較分析,通過分析得出畢節(jié)農(nóng)行具有政策優(yōu)勢、網(wǎng)點優(yōu)勢、人員優(yōu)勢以及業(yè)務發(fā)展優(yōu)勢,同時也指出畢節(jié)農(nóng)行在發(fā)展過程中存在的短板； 第四部分主要介紹支撐建設資源型銀行的理論依據(jù)并對建設資源型銀行的可行性比較優(yōu)勢進行了分析； 本文最后一部分,也是最重要的一部分,對建設資源型銀行的相應措施進行了闡述,這其中有關(guān)于建設資源型銀行相關(guān)政策理論依據(jù)的論述,有關(guān)于農(nóng)行建設資源型銀行行業(yè)信貸政策措施,有涉及人才隊伍的建設,有關(guān)于建立考核機制的探索,也有提升農(nóng)行價值創(chuàng)造和加強風險防范的要求。 本文的創(chuàng)新之處在于,提出了“資源型銀行“這一概念,這是在銀行傳統(tǒng)業(yè)務受到極大沖擊,銀行慣有經(jīng)營發(fā)展模式已不能適應新的發(fā)展條件及對金融如何服務經(jīng)濟提出的,這不是臆造的詞語,而是在充分認清畢節(jié)試驗區(qū)經(jīng)濟發(fā)展方向及區(qū)內(nèi)豐富的資源條件后,結(jié)合畢節(jié)農(nóng)行自身發(fā)展要求提出的概念。 在本文的分析過程中,將實證研究與規(guī)范分析相結(jié)合,重點采用了文獻分析、理論分析和案例分析等多種方法。資料數(shù)據(jù)主要來源于政府官方網(wǎng)站、畢節(jié)農(nóng)行經(jīng)審核對外發(fā)布的數(shù)據(jù)以及專業(yè)期刊雜志和專著等。本文的理論工具主要借鑒大衛(wèi)·李嘉圖的比較優(yōu)勢理論,在對畢節(jié)的資源優(yōu)勢進行充分的論述后,得出畢節(jié)農(nóng)行在資源型行業(yè)金融產(chǎn)品經(jīng)營上具有比較優(yōu)勢的結(jié)論,即如果畢節(jié)農(nóng)行能針對我國當前經(jīng)濟轉(zhuǎn)型、資源日益匱乏的大時代背景,部署到位、措施得力,畢節(jié)農(nóng)行將利用當?shù)刭Y源優(yōu)勢轉(zhuǎn)化為經(jīng)濟優(yōu)勢這一契機,大力拓展資源型金融產(chǎn)品和服務的領(lǐng)域,增加相關(guān)金融創(chuàng)新的力度,創(chuàng)造更大更好的未來發(fā)展空間,這對比較優(yōu)勢理論在具體企業(yè)發(fā)展中的應用做出了有特色的論證。 當然,由于筆者本人長期從事金融管理事務操作,學識、理論水平有限,以及作為畢節(jié)農(nóng)行負責人工作異常繁忙,加之在論文寫作期間由于工作繁忙未能涉獵更多的文獻,展開更深入的分析研究,論文必然存在很多不足之處。本人將在下一步的研究中,積極收集素材,豐富文獻資料,力求在文章理論分析部分更加深入和充分,在對策建議部分更有針對性和可操作性,更好的服務于實際工作。同時,對如何將資源資產(chǎn)化、資產(chǎn)金融化,并盤活資產(chǎn)存量；如何在人民銀行及監(jiān)管部門現(xiàn)有的政策條件下創(chuàng)新開發(fā)相關(guān)金融產(chǎn)品和金融服務,助推企業(yè)更好地利用資源、實現(xiàn)資源的潛在市場價值,將是筆者未來的研究重點。
[Abstract]:With the further development of the social economy , the competition of financial institutions becomes more and more intense . Under the new situation that the homogeneity of the financial products is serious , the financial institution ' s specialization is relatively short and the diversification of the financial needs is diversified , it is necessary to get rid of the over - competitive " blue sea " strategy for many years , combine with its own characteristics , local policy advantages and resource conditions , give full play to the comparative advantage of the whole set of agricultural lines , continuously improve the core competitiveness and the value creativity , gradually form its own business characteristics and the better development mode , and build the Bijie Agricultural Bank into a resource - type bank which dominates the resource - type credit assets in a certain period . In recent 20 years , the economic growth of Bijie has entered the corresponding growth stage . In recent ten years , Bijie economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has grown from 138 . 6.5 billion yuan to 879.96 billion yuan in 2012 , with a growth rate of 533 . 22 % ; and the increase of fiscal revenue from RMB 17.24 billion yuan in 2002 to 247.71 billion yuan in 2012 , with a growth rate of 1336.83 % . Based on this background , using the economic management theory of EMBA , the author tries to find a way to develop a new development strategy and core competence for the new round of market competition . Based on this , the thesis is divided into five main parts : The first part , introduction , mainly introduces the background , research content , research methods and research logic of this paper , as well as the contribution and deficiency of the thesis . The second part , mainly from Bijie ' s economic situation , resource economic advantage , favorable policy support , rapid development economy and location advantage , etc . , illustrates the foundation and conditions of the construction of resource - based banks ; The third part is the comparative analysis of Bijie Agricultural Bank and the main financial institutions of the whole city . This part deals with the general situation of Bijie Agricultural Bank , the analysis of the current situation of Bijie Agricultural Bank ' s business development and the comparative analysis of the financial institutions of the whole city . Through the analysis , it is concluded that the Bijie Agricultural Bank has the advantages of policy advantage , net point advantage , people ' s advantage and business development advantage , and also points out that the short board existed in the development process of Bijie Agricultural Bank ; The fourth part mainly introduces the theory basis of supporting construction resource bank and analyzes the advantages of the feasibility comparison of construction resource bank . The last part of this paper is also the most important part , expounds the corresponding measures of the construction resource - based bank , including the discussion about the relevant policy theory of the construction resource - based bank , the construction of the talent team , the exploration of the establishment of the assessment mechanism and the requirement of raising the value of the agricultural bank and strengthening the risk prevention . The innovation of this paper is that the concept of " resource bank " is put forward , which is a great impact on the traditional business of the bank , which has not been adapted to the new conditions of development and how to serve the economy . This is not a speculative word , but a concept proposed by the development of Bijie Agricultural Bank after fully recognizing the direction of economic development in Bijie test area and abundant resource conditions in the region . Based on the comparative advantage theory of David Ricardo , the author draws a conclusion that Bijie Agricultural Bank has a comparative advantage in the management of financial products in the resource - based industry , which is based on the comparative advantage theory of David Ricardo . In the next study , the author will actively collect the material and enrich the literature , try to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the supervision department , and help the enterprises to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the regulatory authorities .

【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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1 袁發(fā)輝;把畢節(jié)農(nóng)行建設成資源型銀行策略研究[D];西南財經(jīng)大學;2013年

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