【作者】 段秀萍；

【导师】 肖诗顺； 邹彬；

【作者基本信息】 四川农业大学 ， 农业硕士（专业学位）， 2019， 硕士

【摘要】 “三农”问题一直以来是全党工作的重中之重,金融对于农村经济的发展有着越来越重要的基础性与先导性作用,农村金融体系中农村商业银行(简称农商行)作为在此过程中贯彻并且执行我国“支农”政策的主力金融机构,也是实现“支农”政策的关键性载体。同时作为我国农村区域的关键性金融机构,推动金融资源更多的向农村倾斜,加快构建多层次,广覆盖,可持续的农村金融服务体系,发展农村普惠金融,是农村商行银行的首要目标。因此,本文研究农商行的支农效益,对于农商行的可持续发展和金融支持“三农”,具有重大的理论意义和现实价值。本文首先针对研究的背景及意义,国内外的研究成果、研究的内容及方法做出分析介绍,针对本文涉及到的概念及理论做出分析概述,为本文的研究奠定理论的基础;第二,回顾农商行的发展历程,分析农商行服务三农取得的成效。第三,从微观角度对WY农村商业银行服务三农的具体做法做出阐述,就银行改制的背景、改制后发展情况实施分析研究,并指出服务三农过程中存在的问题;第四,本文基于SWOT分析对WY农商行服务三农问题内外部环境进行综合评价,为制定服务三农策略奠定坚实基础,并从WY农商行自身可持续发展与服务三农的社会使命等方面来分析农商行存在的问题及对策建议。本文用数据统计描述结合调查的方法对农商行服务三农的问题进行阐述,根据发展的制约因素及当前机遇,结合农商行支农效果分析,提出农商行改进三农金融服务的配套措施以及提出改进三农服务的建议,为农商行面向三农,服务三农经营提供参考。更多还原

【Abstract】 "Three agriculture" problem has been the top priority of the party work,financial has more and more important in the development of rural economy base and the guiding role,the rural financial system in rural commercial bank(" bank ")as in the process to implement and execute the main "support agriculture policy financial institutions in our country,is the key carrier of" agriculture "policy.At the same time,as a key financial institution in rural areas of China,the primary goal of rural commercial Banks is to promote more rural financial resources,accelerate the construction of a multi-level,wide-ranging and sustainable rural financial service system,and develop inclusive finance in rural areas.Therefore,this paper studies the agricultural benefits of rural commercial Banks,for the sustainable development of rural commercial Banks and financial support "agriculture,rural areas and farmers",has great theoretical significance and practical value.Firstly,this paper analyzes and introduces the background and significance of the research,the research results at home and abroad,the content and methods of the research,and the concepts and theories involved in this paper,so as to lay a theoretical foundation for the research of this paper.Second,review the development history of rural commercial Banks,and analyze the achievements of rural commercial Banks in serving agriculture,rural areas and farmers.Thirdly,from the micro perspective,this paper expounds the specific practice of WY rural commercial bank to serve agriculture,rural areas and farmers,analyzes and studies the background of bank restructuring and the development situation after the restructuring,and points out the problems in the process of serving agriculture,rural areas and farmers.Fourthly,based on SWOT analysis,this paper conducts a comprehensive evaluation on the internal and external environment of WY rural commercial bank serving the three rural issues,laying a solid foundation for formulating the service strategy for the three rural issues,and analyzes the existing problems and countermeasures of WY rural commercial bank from the aspects of its sustainable development and the social mission of serving the three rural issues.This article use the method of statistical description combined with investigation of bank service to agriculture,rural areas and farmers problems are expounded,according to the factors of restricting the development of the and the current opportunity,effect analysis,combined with bank support agriculture bank is put forward to improve rural financial services supporting measures and put forward Suggestions for the improvement of agriculture,rural areas and farmers services,to bank for agriculture,rural areas and farmers,provide reference services to agriculture,rural areas and farmers business.更多还原