靖江润丰村镇银行竞争战略研究

【作者】 李燕；

【导师】 尤宏兵；

【作者基本信息】 南京理工大学 ， 工商管理， 2012， 硕士

【摘要】 我国农村经济基础薄弱且农业人口所占比重较大,因此,对于我国来说,加强社会主义新农村建设的任务艰巨且意义深远。经济的发展离不开金融服务的支持,我国农村金融机构匾乏和金融服务缺失制约着农村经济发展的现状更决定了金融改革在这次新农村改革中的重要性。只有形成开放、竞争、有序的多元化农村金融体系才能更好地支持新农村建设。中国银监会发布《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》,降低了农村金融组织的建立门槛,以解决广大农村地区金融机构网点少,金融服务缺乏的问题,在这一背景下,村镇银行等农村金融组织应运而生。村镇银行是一种全新的农村金融组织形式,它的建立是我国农村金融改革史上的重大突破。村镇银行拓宽了农村地区的金融服务范围,为农村地区提供了更多的资金支持,对提高农村的金融服务水平,完善农村金融体系起到了重要作用。但村镇银行作为一个新生事物,其存在和发展必然面临诸多问题。本文试图围绕村镇银行展开研究,从村镇银行成立的背景、意义、发展现状及存在的问题入手,并以靖江润丰村镇银行为例,运用波特的钻石模型理论,分析其发展存在的优势及弊端,最后就如何实施竞争战略以及相关保障措施提出具体建议。更多还原

【Abstract】 China is an agricultural country with weak economic foundation and large rural population. To construct the new socialist countryside fast is a hard task. The lack of rural financial institutions and services, has constrained the economic development of rural areas, which determines the rural financial reform is the most important thing. We must have an open, competitive, orderly and diversified rural financial system to support he construction of the new’socialist countryside’. In order to solve all the problems, China Banking Regulatory Commission released the’opinions of adjusting to relax the banking financial institutions in rural areas and better accessing Policy to support social neo-rural construction’.This was a new attempt of Chinese rural financial reform, which opened a new chapter in the rural financial reform. As a new form of rural financial institutions, the establishment of rural banks is a breakthrough in the history of rural financial reform. The emergence of rural banks has played a certain role to meet the growing demand for funds, to broaden the range of financial services in rural areas, and improved the rural financial services. However, as a new thing, there are many problems in the development of rural banks.This article attempts to understand the rural banks and look for the problems in the development of rural banks, and take Jing Jiang Run Feng rural bank for example, to analyze the advantages and disadvantages of the rural banks.Last provide competitive strategy to promote and guarantee the improvement of the bank.更多还原