本文關(guān)鍵詞： 縣域經(jīng)濟 政府行為 金融服務(wù)　出處：《內(nèi)蒙古師范大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：自黨的十六大召開以來,我國縣域經(jīng)濟迅速發(fā)展,從而帶動國民經(jīng)濟強勁增勢,為我國GDP和財政收入快速提高做出了積極貢獻(xiàn)。因此,內(nèi)蒙古自治區(qū)政府也十分重視本地區(qū)縣域經(jīng)濟發(fā)展?fàn)顩r,大力調(diào)整區(qū)內(nèi)重點縣域經(jīng)濟結(jié)構(gòu),有效推動轄內(nèi)縣域經(jīng)濟協(xié)調(diào)發(fā)展,全區(qū)縣域經(jīng)濟得以持續(xù)穩(wěn)定增長,實現(xiàn)了高速發(fā)展。然而,縣域經(jīng)濟的崛起既需要政府提供發(fā)展政策,也需要穩(wěn)定的資金融資,作為現(xiàn)代經(jīng)濟核心的金融行業(yè),在配合政府支持當(dāng)?shù)乜h域經(jīng)濟發(fā)展中,充分發(fā)揮了金融融資的重要特性,努力建立多層次、廣覆蓋、可持續(xù)的縣域金融服務(wù)體系,為保證縣域經(jīng)濟健康、穩(wěn)定發(fā)展提供了不可或缺的中堅角色。2013年伊始,工行內(nèi)蒙古分行按照工商銀行總行提出的渠道建設(shè)發(fā)展戰(zhàn)略及三年規(guī)劃,對支持縣域經(jīng)濟發(fā)展,建立縣域銀行渠道建設(shè)工作給予高度重視,將提升縣域支行競爭力作為近兩年來總行提出的重點工程,自治區(qū)分行及轄內(nèi)二級分支機構(gòu)進(jìn)一步轉(zhuǎn)換觀念,各級分行均成立了渠道建設(shè)管理部門,加大渠道優(yōu)化建設(shè)步伐,縣域支行根據(jù)國家貨幣政策的相關(guān)要求,立足本地縣域資源優(yōu)勢和經(jīng)濟發(fā)展特色,不斷摸索創(chuàng)新信貸方式,大力發(fā)展小微企業(yè)貸款,擴大貸款投放力度,確保了工商銀行貸款政策于當(dāng)?shù)乜h域經(jīng)濟發(fā)展相匹配,有力優(yōu)化了當(dāng)?shù)乜h域經(jīng)濟結(jié)構(gòu),促進(jìn)了當(dāng)?shù)乜h域的經(jīng)濟發(fā)展,同時對當(dāng)?shù)乜h域經(jīng)濟穩(wěn)定持續(xù)發(fā)展奠定了堅實的基礎(chǔ),開創(chuàng)了金融支持、經(jīng)濟發(fā)展的“雙贏”良好局面。與此同時,工商銀行還采取了切實可行的服務(wù)支持措施,實施了金融創(chuàng)新,加強了自助服務(wù)渠道的建設(shè),充分利用工商銀行強大的科技力量及先進(jìn)的技術(shù)水平,業(yè)務(wù)處理由原來的柜面人工辦理逐步向電子渠道分流,形成電子交易主渠道與物理網(wǎng)點協(xié)同發(fā)展,業(yè)務(wù)從“走出柜臺”到“走出銀行”,貸款發(fā)放由“等待客戶”到“現(xiàn)場服務(wù)”,有效地扭轉(zhuǎn)了縣域客戶存款遠(yuǎn)、貸款難的的被動局面,從根本上優(yōu)化了服務(wù)環(huán)境,提升了工行服務(wù)效率。本文以內(nèi)蒙古赤峰工行支持縣域經(jīng)濟發(fā)展為典型案例進(jìn)行討論,通過闡述金融業(yè)在縣域經(jīng)濟發(fā)展中發(fā)揮保駕護航的作用,強調(diào)商業(yè)銀行的金融支持對促進(jìn)當(dāng)?shù)乜h域經(jīng)濟發(fā)展和社會穩(wěn)定所具有的重要性,并對該行在當(dāng)?shù)乜h域經(jīng)濟發(fā)展過程中發(fā)揮的作用和尚需完善的舉措進(jìn)行細(xì)致的分析,結(jié)合全區(qū)縣域經(jīng)濟發(fā)展的實際情況,研究探討今后縣域商業(yè)銀行在支持當(dāng)?shù)亟?jīng)濟發(fā)展,所應(yīng)該采取的對策和建議,以及從金融支持的角度探討促進(jìn)縣域經(jīng)濟發(fā)展的發(fā)展前景和有效途徑。
[Abstract]:Since the 16th National Congress of the Communist Party of China, the county economy of our country has developed rapidly, thus driving the strong growth of the national economy, which has made positive contributions to the rapid increase of GDP and financial revenue of our country. The Inner Mongolia Autonomous region Government has also attached great importance to the development of the county economy in the region, vigorously adjusted the economic structure of the key counties in the region, effectively promoted the coordinated development of the county economy within its jurisdiction, and sustained and stable growth of the county economy in the whole region. However, the rise of county economy requires both government development policy and stable capital financing. As the core of modern economy, the financial industry is cooperating with the government to support the development of local county economy. It has brought into full play the important characteristics of financial financing, and has worked hard to establish a multi-level, broad-based and sustainable financial service system at the county level, which has provided an indispensable backbone for ensuring the healthy and stable development of the county economy. Since the beginning of 2013, ICBC Inner Mongolia Branch, in accordance with the channel construction development strategy and three-year plan proposed by the head office of the Industrial and Commercial Bank of China, attaches great importance to supporting the development of the county economy and establishing the channel construction of the county bank. Regarding the promotion of county branch competitiveness as the key project proposed by the head office in the past two years, the branch of the autonomous region and the secondary branch within its jurisdiction have further changed their concepts. Branches at all levels have set up channel construction management departments to increase the pace of channel optimization construction. In accordance with the relevant requirements of the national monetary policy, the county branch, based on the advantages of local county resources and the characteristics of economic development, constantly explores innovative credit methods, vigorously develops small and micro enterprise loans, and expands the lending intensity. It ensures that the ICBC loan policy matches the local county economic development, optimizes the local county economic structure, promotes the local county economic development, and at the same time lays a solid foundation for the local county economy to develop steadily and sustainably. It has created a "win-win" situation for financial support and economic development.At the same time, ICBC has also adopted practical service support measures, implemented financial innovation, and strengthened the construction of self-service channels. Making full use of ICBC's powerful scientific and technological strength and advanced technological level, the business processing will gradually be diverted from the original manual handling of the counter to the electronic channel to form a coordinated development between the main electronic trading channel and the physical network. Business from "out of the counter" to "out of the bank", loan issuance from "waiting for customers" to "on-site services", effectively reversed the county customer deposits far away, loans difficult passive situation, fundamentally optimized the service environment, This paper takes Chifeng Industrial and Commercial Bank of Inner Mongolia to support the development of county economy as a typical case to discuss the role of financial industry in the development of county economy. Emphasizing the importance of the financial support of commercial banks to the promotion of local county economic development and social stability, and making a detailed analysis of the role played by the bank in the process of local county economic development and the measures that need to be improved, According to the actual situation of the county economic development in the whole region, the paper studies the countermeasures and suggestions that the county commercial banks should take to support the local economic development in the future. From the angle of financial support, this paper probes into the prospects and effective ways of promoting the development of county economy.
【學(xué)位授予單位】：內(nèi)蒙古師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.7;F127

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