發(fā)布時間：2018-05-18 04:31

  本文選題：村鎮(zhèn)銀行 + 風(fēng)險控制　； 參考：《湖南師范大學(xué)》2013年碩士論文

【摘要】：近年,隨著“三農(nóng)”發(fā)展不斷推進,對農(nóng)村金融改革提出新的要求,促進了農(nóng)村金融改革不斷深化。但是,由于農(nóng)村金融市場過高的準(zhǔn)入門檻,管理部門過度管制,使農(nóng)村金融壟斷現(xiàn)象嚴(yán)重,大大束縛了農(nóng)村金融的發(fā)展,無法跟上‘三農(nóng)”經(jīng)濟快速發(fā)展的節(jié)奏,農(nóng)村金融改革迫在眉睫。正是村鎮(zhèn)銀行的設(shè)立,打破了原有的農(nóng)村金融市場競爭格局,激發(fā)了金融市場活力。同時,在順應(yīng)農(nóng)村金融市場需求,促進農(nóng)村經(jīng)濟發(fā)展方面所起的積極作用。 文章先是通過回顧村鎮(zhèn)銀行概念、介紹農(nóng)村金融的部分理論,并進行了簡明扼要的闡述；接著分析了中國村鎮(zhèn)銀行的發(fā)展概況,發(fā)揮的社會績效和功能,存在的問題和不足；再以成立于湖南省貧困縣的宜章縣長行村鎮(zhèn)銀行當(dāng)成剖析對象,分別從宜章縣長行村鎮(zhèn)銀行的經(jīng)營狀況、存在的問題進行解析,以及出現(xiàn)這些不足的原因。通過對村鎮(zhèn)銀行現(xiàn)狀的分析,問題的列舉,原因的查找,總結(jié)出村鎮(zhèn)銀行在發(fā)展過程中需找準(zhǔn)市場定位,確立發(fā)展原則,制定發(fā)展戰(zhàn)略以及實施切實可行的具體措施。從而做到風(fēng)險能控制、盈力有增長、影響能擴大。最后對上述舉措執(zhí)行后的效果進行了展望。 村鎮(zhèn)銀行是應(yīng)農(nóng)村經(jīng)濟發(fā)展和農(nóng)村金融改革需要而設(shè)立的。要實現(xiàn)村鎮(zhèn)銀行的壯大,必須增強服務(wù)農(nóng)村發(fā)展的本領(lǐng),豐富適合農(nóng)村需要的金融產(chǎn)品。以農(nóng)村環(huán)境為成長土壤,提高管理能力,規(guī)避信用風(fēng)險,增強盈利能力,發(fā)揮社會績效。同時,為村鎮(zhèn)銀行提供經(jīng)驗,為新農(nóng)村建設(shè)提供金融支持,為貧困地區(qū)金融發(fā)展注入活力。
[Abstract]:In recent years, with the development of agriculture, rural areas and farmers, new requirements for rural financial reform have been put forward, which has promoted the deepening of rural financial reform. However, due to the high entry threshold of the rural financial market and excessive regulation by the management department, the phenomenon of rural financial monopoly is serious, which greatly restrains the development of rural finance and is unable to keep up with the rapid development of the "three rural" economy. Rural financial reform is imminent. It is the establishment of village bank that breaks the original competition pattern of rural financial market and stimulates the vitality of financial market. At the same time, it plays an active role in meeting the needs of rural financial market and promoting the development of rural economy. Firstly, the article introduces some theories of rural finance by reviewing the concept of village bank, then analyzes the development of village bank in China, the social performance and function, the existing problems and shortcomings. Then taking Changhang Village Bank of Yichang County, which was founded in the poor county of Hunan Province, as the object of analysis, this paper analyzes the management status, existing problems and the reasons of these deficiencies from the management situation of Changhang Village Bank in Yichang County. Based on the analysis of the present situation of the village bank, the enumeration of the problems and the search of the reasons, it is concluded that the village bank should find the correct market orientation, establish the development principle, formulate the development strategy and carry out the practical and practical concrete measures in the process of development. So that risk can be controlled, earnings growth, impact can be expanded. Finally, the effect of the above measures is forecasted. Village banks are set up to meet the needs of rural economic development and rural financial reform. In order to realize the expansion of the village bank, we must strengthen the ability of serving the rural development and enrich the financial products suitable for the rural needs. Take the rural environment as the growth soil, improve the management ability, avoid the credit risk, strengthen the profit ability, give play to the social performance. At the same time, to provide experience for the village bank, to provide financial support for the new rural construction, and to inject vitality into the financial development of poor areas.
【學(xué)位授予單位】：湖南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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本文編號：1904394