【作者】 吕可；

【导师】 刘艳； 吕开斌；

【作者基本信息】 四川农业大学 ， 公共管理硕士（专业学位）， 2020， 硕士

【摘要】 乡村振兴战略是习近平同志2017年10月18日在党的十九大报告中提出的国家级战略。十九大报告指出,农业农村农民问题是关系到国计民生的根本性问题,必须始终把解决好“三农”问题作为全党工作的重中之重,这是实施乡村振兴战略的基本思路。在由于农村地区的生产经营有季节性、长期性、低利性等特点,所以在实现乡村振兴的过程中,深化农业供给侧结构性改革是重要的一环。农村经济发展离不开乡村金融的助力,当前农村经济主体多以家庭作坊模式经营,具有金融需求高、担保和还款能力低的特点,所以地方政府的政策实施将起关键作用。在国家经济增速放缓的情况下,开展农村建设,释放农村的消费活力与生产活力对我国经济的转型与发展有着重要的意义。本研究借鉴相关研究,基于乡村振兴视角,以眉山市仁寿县为研究地点,开展地方政府行为与农商行的现状及问题研究。通过研究地方政府与地方银行间相互作为结果和影响,探讨地方政府与农商行之间的关系,具体综合分析了仁寿县与仁寿农商行的各项经济、经营数据指标,探讨在乡村振兴中地方政府行为给农商行带来的影响和问题,给出相关对策和建议,本文主要的研究结论如下:(1)仁寿农商行大力支持乡村振兴,加大涉农贷款投放力度,并因此损失了部分市场份额和经营绩效。(2)由于近年来地方政府收入面的减少,财政收入对税收的依赖程度进一步提升,让地方政府乡村振兴行为过于强势和急迫地追求达到目的,并给农商行带来了不小的信贷压力,造成了农商行资产质量恶化。(3)政府对农商行的管理过强,特别是人事管理方面过于强势,加之农商行内部公司治理不完善等问题,导致农商行正常的生产经营受到了影响。基于以上结论,本文认为仁寿县政府方面可乡村振兴战略实施过程中可多采取产业升级方式刺激农村经济发展,并可间接促进仁寿农商银行金融业务增长,同时加大监督弱化干涉,杜绝金融资源闲置、浪费。仁寿农商银行方面需积极寻求银行内部管理结构改革,并对高管人员进行优化,对原有管理层加强现代专业金融知识培训,撤销迂腐不思进取的管理人员,大力引进专业金融学管理人才,进而促进银行良好可持续发展。更多还原

【Abstract】 The rural revitalization strategy is a national strategy proposed by Xi Jinping in the report of the 19 th National Congress of the Party on October 18,2017.The report of the 19 th National Congress pointed out,The problem of agriculture and rural farmers is a fundamental issue related to national economy and people’s livelihood,It must always be the top priority for the work of the whole party,This is the basic idea of implementing rural revitalization strategy.Due to the seasonality,long-term and low profitability of production and operation in rural areas,So in the process of realizing rural revitalization,Deepening agricultural supply-side structural reform is an important part.Rural economic development is inseparable from the help of rural finance.At present,most of the rural economic entities operate in the family workshop mode,which has the characteristics of high financial demand and low guarantee and repayment ability,so the implementation of local government policies will play a key role.In the case of a slowdown in the country ’ s economic growth,it is of great significance to carry out rural construction and release rural consumption and production vigour for China’s economic transformation and developmentThis study draws on relevant research,based on the perspective of rural revitalization,and takes Renshou City as the research site,to conduct research on the status quo and problems of local government behaviors and agricultural and commercial banks.The main research conclusions of this article are as follows:(1).Renshou Rural Commercial Bank strongly supported the revitalization of the countryside,increased the investment of agricultural loans,and therefore lost some market share and operating performance.(2)Due to the reduction of local government income in recent years,the dependence of fiscal revenue on taxation has further increased,making local government rural revitalization behaviors too strong and eager to pursue their goals,and brought considerable credit pressure to rural commercial banks Deteriorating asset quality of rural commercial banks.(3)The government’s excessively strong management of agricultural and commercial banks,especially its personnel management,and the imperfect internal corporate governance of agricultural and commercial banks have affected the normal production and operation of agricultural and commercial banks.Based on the above conclusions,this paper believes that the Renshou County government can take more industrial upgrades to stimulate rural economic development during the implementation of the rural revitalization strategy,and can indirectly promote the growth of Renshou Rural Commercial Bank’s financial business.Renshou Rural Commercial Bank needs to actively seek the reform of the bank’s internal management structure,and optimize the executives,strengthen the training of modern professional financial knowledge for the original management,remove the pedantic management personnel,and vigorously introduce professional financial management talents To further promote sound and sustainable development of the bank.更多还原