本文選題：村鎮(zhèn)銀行 + 持續(xù)發(fā)展�。� 參考：《哈爾濱工程大學(xué)》2013年碩士論文

【摘要】：設(shè)立村鎮(zhèn)銀行是我國大力支持農(nóng)村經(jīng)濟(jì)發(fā)展的重要舉措,村鎮(zhèn)銀行的設(shè)立標(biāo)志著我國農(nóng)村金融體制改革不再拘泥于體制內(nèi)的修修補(bǔ)補(bǔ),開始尋求體制外的突破。本文正是在這樣的背景下,通過研究黑龍江省村鎮(zhèn)銀行的經(jīng)營現(xiàn)狀,對(duì)黑龍江省村鎮(zhèn)銀行經(jīng)營現(xiàn)狀做一個(gè)比較系統(tǒng)、全面、透徹的分析,找出一條在我國目前國情下適合黑龍江省村鎮(zhèn)銀行發(fā)展的路徑和模式,激活黑龍江省農(nóng)村金融市場,形成農(nóng)村金融市場資金的良性循環(huán),村鎮(zhèn)銀行與“三農(nóng)”共生共存,實(shí)現(xiàn)黑龍江省村鎮(zhèn)銀行的可持續(xù)發(fā)展。本文在結(jié)構(gòu)安排上全文共分為四章,通過對(duì)黑龍江省村鎮(zhèn)銀行的經(jīng)營現(xiàn)狀進(jìn)行分析,找出其發(fā)展過程中存在的劣勢和問題,在對(duì)國內(nèi)外村鎮(zhèn)銀行發(fā)展的成功經(jīng)驗(yàn)進(jìn)行總結(jié)后,提出黑龍江省村鎮(zhèn)銀行提升持續(xù)發(fā)展能力的對(duì)策建議。第一章,緒論。介紹本文的選題背景和研究意義。第二章,黑龍江省村鎮(zhèn)銀行經(jīng)營問題分析。本章以村鎮(zhèn)銀行設(shè)立的背景與要求為切入點(diǎn),分析村鎮(zhèn)銀行的經(jīng)營環(huán)境,分析黑龍江省村鎮(zhèn)銀行的經(jīng)營模式,評(píng)價(jià)村鎮(zhèn)銀行的競爭力。找出黑龍江省村鎮(zhèn)銀行存在的問題。第三章,黑龍江省村鎮(zhèn)銀行經(jīng)營效率評(píng)價(jià)。本章提出了對(duì)黑龍江省村鎮(zhèn)銀行的經(jīng)營效率進(jìn)行評(píng)價(jià)時(shí)應(yīng)遵循的原則,設(shè)置了資本充足率、不良貸款率、撥備覆蓋率、資產(chǎn)利潤率、成本收入比、涉農(nóng)貸款比例等6個(gè)量化指標(biāo),同時(shí),界定了評(píng)價(jià)標(biāo)準(zhǔn),對(duì)黑龍江省村鎮(zhèn)銀行的經(jīng)營效率進(jìn)行了評(píng)價(jià)。第四章,國內(nèi)外村鎮(zhèn)銀行發(fā)展的實(shí)踐與經(jīng)驗(yàn)借鑒。本章通過對(duì)孟加拉國格來珉銀行和我國湖北省村鎮(zhèn)銀行的經(jīng)營模式和特點(diǎn)進(jìn)行剖析和概括比較,得出一些共性經(jīng)驗(yàn),獲得對(duì)黑龍江省村鎮(zhèn)銀行可持續(xù)發(fā)展的啟示。第五章,提升村鎮(zhèn)銀行持續(xù)發(fā)展能力的對(duì)策。針對(duì)黑龍江省村鎮(zhèn)銀行發(fā)展過程中存在的問題,找出在現(xiàn)有國情下適合黑龍江村鎮(zhèn)銀行發(fā)展的路徑和模式,提出改善黑龍江省村鎮(zhèn)銀行現(xiàn)狀的政策建議。
[Abstract]:The establishment of village bank is an important measure to support the development of rural economy in China. The establishment of village bank indicates that the reform of rural financial system in our country is no longer stuck to the repairs within the system and has begun to seek a breakthrough outside the system. Under this background, this paper makes a systematic, comprehensive and thorough analysis of the present situation of the village bank management in Heilongjiang Province by studying the present situation of the management of the village and town bank in Heilongjiang Province. To find out a path and mode suitable for the development of village banks in Heilongjiang Province under the current situation of our country, activate the rural financial market of Heilongjiang Province, form a virtuous circle of rural financial market funds, and co-exist village and town banks with "three rural areas". Realize the sustainable development of Heilongjiang village bank. This paper is divided into four chapters on the structure arrangement, through the analysis of the present situation of the village bank in Heilongjiang province, find out the disadvantages and problems in the process of its development, after summing up the successful experience of the development of the village bank at home and abroad. This paper puts forward the countermeasures and suggestions on how to promote the sustainable development ability of the village and town banks in Heilongjiang Province. Chapter one, introduction. The background and significance of this paper are introduced. The second chapter, the Heilongjiang province village town bank management question analysis. This chapter analyzes the operating environment of the village bank, analyzes the management mode of the village bank in Heilongjiang Province, and evaluates the competitiveness of the village bank with the background and requirements of the establishment of the village bank as the starting point. To find out the problems of Heilongjiang Village Bank. The third chapter, Heilongjiang province village and town bank management efficiency appraisal. This chapter puts forward the principles that should be followed when evaluating the operation efficiency of the village and town banks in Heilongjiang Province, and sets up the capital adequacy ratio, the non-performing loan rate, the reserve coverage rate, the profit rate of assets, the ratio of cost to income. At the same time, the paper defines the evaluation standard and evaluates the operation efficiency of the village and town bank in Heilongjiang province. The fourth chapter, the practice and experience of the development of rural banks at home and abroad. Through the analysis and comparison of the management mode and characteristics of Bangladesh Ge Lai Min Bank and Hubei Province Village Bank, some common experiences are obtained, and the enlightenment to the sustainable development of Heilongjiang Province Village Bank is obtained. Chapter five, the countermeasures to promote the sustainable development ability of village banks. In view of the problems existing in the development of the village bank in Heilongjiang province, this paper finds out the path and mode suitable for the development of the village bank in Heilongjiang province under the existing situation, and puts forward some policy suggestions for improving the present situation of the village bank in Heilongjiang province.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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