贵州省村镇银行可持续发展研究

【作者】 杨娟；

【导师】 罗兵；

【作者基本信息】 贵州大学 ， 工商管理， 2016， 硕士

【摘要】 当前,我国正处于全面建成小康社会决定性阶段。破解“三农”问题,对如期实现全面建成小康社会目标有十分重大的意义。“三农”发展需要充足有效的资金支持,除财政支持以外,金融支持是非常重要的组成部分。而长期以来,我国农村金融的改革发展滞后于城市金融改革发展,金融支持“三农”的作用和效果并未充分发挥。县域及村镇金融机构数量少、类型单一,远不能满足农村金融市场需求。作为我国重要的新型农村金融机构之一,村镇银行自2007年诞生以来就被赋予了填补和激活农村金融市场的历史重任。现阶段,村镇银行实现可持续发展,将对我国深化农村金融改革发展具有重要的实践意义。作为欠发达欠开发地区,贵州省村镇银行自2008年下半年开始试点,至2015年12月末,全省村镇银行开业数量达47家。为深入探析村镇银行是否能实现可持续发展以及如何实现可持续发展的问题,本文以贵州省村镇银行为样本,通过分析村镇银行在贵州的发展态势,剖析村镇银行发展中存在的问题,运用战略管理的理论和SWOT分析法,重点研究贵州省村镇银行内部优势和外部机遇,构建村镇银行可持续发展的最优战略即SO战略。通过研究表明,目前贵州省村镇银行发展态势良好,拥有政策法律赋予的众多比较优势和发展机遇,但也存在市场定位有所偏差、盈利能力偏低、创新能力不足、业务拓展存在“瓶颈”等问题,同时面临着利率市场化、存款保险制度实施、民营银行竞争、互联网金融等带来的新挑战。基于此,本文提出,贵州省村镇银行应充分发挥和放大自身优势,积极抓住和借助外部机遇,在坚守立足县域、服务“三农”的“草根”银行的战略定位下,以差异化、特色化发展来实现可持续发展,并具体在深耕目标市场、拓展业务范围、增强品牌意识、完善公司治理、加强人力资源管理、完善政策扶持体系、实行差异化和动态监管六个方面为村镇银行可持续发展提供了具体的政策建议。更多还原

【Abstract】 To solve the problem of "agriculture, rural areas and farmers", is very significant to realize the goal of build an all-round well-off society in China on time. The development of rural areas needs sufficient and effective financial support. But for a long time, financial reform and development in rural areas lags behind which in cities of China. The amount and the type of rural financial institutions are both less, still cannot meet the demand of rural financial market far away. Since 2007, as one of important new type of rural financial institutions in China, rural banks is endowed with the historical mission to fill and activate the rural financial market. At present, the sustainable development of rural banks, has important practical significance to deepen the financial reform and development in rural areas.Rural bank appears in Guizhou province since the second half of 2008. In late December 2015, there are 47 rural banks opening in Guizhou. This paper focus on the rural banks whether can achieve sustainable development and how to realize the sustainable development. By using strategic management theory and SWOT analysis, this paper try to build the optimal strategy for the sustainable development of rural banks in Guizhou. Through research, it is indicated that rural banks in Guizhou province have a good development situation, given by the policy and law, they have much comparative advantage and development opportunities, while there are challenges such as market orientation deviation, low profitability, lack of innovation. Base on that, this paper points out, to realize sustainable development, rural banks in Guizhou should enlarge their own advantages and grasp the external opportunities, adhere to the strategy of "grassroots" bank by differentiation and specialization development. This paper provides the specific recommendations in six aspects, which include deepening target market, expanding business scope, enhancing brand awareness, improving corporate governance, strengthening human resources management, improving the policy support system, implementing differentiation and dynamic regulation.更多还原