【作者】 孔德超；

【导师】 王薪喜；

【作者基本信息】 山东大学 ， 公共管理（专业学位）， 2024， 硕士

【摘要】 政策的生命力在于执行。政策是一种具有观念形态的行动准则,政策执行是将政策变成现实行动方案的唯一途径,政策执行对于政策的实际结果有着直接影响。政策执行人员在政策执行过程中通常会通过“变通性执行”“阳奉阴违、拒不执行”等形式执行上级政策,从而使得政策“走样”,无法达到政策效果。中央“一号文件”逐渐成为了农村问题的专有名词,中央“一号文件”的主题和内容已然成为我国“三农”政策的方向标。银行作为我国经济发展的血脉,农村经济的发展离不开银行机构的支持,邮政储蓄银行作为国有控股银行要履行社会公共职能,担任“三农”金融政策的主要执行主体,但其又具有盈利性,导致在执行“三农”金融政策过程中存在许多问题。本文基于国有控股银行二级分行作为政策执行主体的视角,选取“三农”金融政策中的邮政储蓄银行“三农”小额贷款政策作为研究对象,研究国有控股银行二级分行“三农”金融政策执行问题。本文主要通过案例分析法、问卷调查法和访谈法调查邮政储蓄银行J市分行“三农”小额贷款政策执行现状,并依据史密斯政策执行过程模型建构分析框架,分析邮政储蓄银行J市分行执行“三农”小额贷款政策过程中存在的问题及其成因。调查数据显示邮政储蓄银行J市分行执行“三农”小额贷款政策效果不理想,为进一步提升国有控股银行二级分行“三农”金融政策执行效果,针对邮政储蓄银行J市分行实施“三农”小额贷款政策过程中存在的问题提出以下建议:一是健全辅助政策,建立奖励激励机制,加强政策创新,合理分散风险以完善政策执行配套措施;二是深化国有控股银行二级分行内部改革,完善内部管理机制,加大人才队伍培训力度,优化创新政策执行工具,加强业务指标考核;三是加强品牌建设及政策宣传力度,引导农民群众积极参与政策执行过程;四是发挥监管机构的能效作用,引导金融机构实施差异化竞争战略,推进农村信用体系建设,提升金融机构风险防范化解能力,以优化“三农”金融生态环境。更多还原

【Abstract】 The vitality of policies lies in their implementation.Policy is an action guideline with conceptual form,and policy implementation is the only way to turn policy into a practical action plan.Policy implementation has a direct impact on the actual results of policy.Policy implementers usually execute higher-level policies through forms such as "flexible execution","blatant compliance but implicit violation,refusal to execute",etc.,which can cause the policy to "deviate" and fail to achieve policy effects.The central "No.1 Document" has gradually become the proper term for rural issues,and the theme and content of the central"No.1 Document" has become the direction of China’s"three rural"policy.Banks are the lifeblood of China’s economic development,and the development of rural economy cannot do without the support of banking institutions.Postal Savings Bank,as a state-owned holding bank,has to fulfill its social and public functions and serve as the main executor of the"three rural"financial policies.However,its profitability has led to many problems in the process of implementing the"three rural"financial policies.This article is based on the perspective of state-owned holding banks’ secondary branches as policy implementers,and selects the Postal Savings Bank’s "Three Rural Issues"small loan policy in the "Three Rural Issues" financial policy as the research object to study the implementation of the "Three Rural Issues" financial policy by state-owned holding banks’secondary branches.This article mainly investigates the current situation of the implementation of the "Three Rural Issues" small loan policy by Postal Savings Bank J Branch through case analysis,questionnaire survey and interview methods.Based on the Smith policy implementation process model,an analysis framework is constructed to analyze the problems and causes in the implementation of the "Three Rural Issues" small loan policy by Postal Savings Bank J Branch.Survey data shows that the implementation of the "Three Rural Issues" small loan policy by Postal Savings Bank J Branch is not ideal.In order to further improve the implementation effect of the "Three Rural Issues" financial policy by state-owned holding banks’ secondary branches,the following suggestions are proposed for the problems in the implementation of the "Three Rural Issues" small loan policy by Postal Savings Bank J Branch:firstly,to improve auxiliary policies,establish reward and incentive mechanisms,strengthen policy innovation,reasonably diversify risks,and improve policy implementation supporting measures.Secondly,deepen the internal reform of secondary branches of state-owned holding banks,improve internal management mechanisms,increase training efforts for talent teams,optimize and innovate policy implementation tools,and strengthen business indicator assessments.Thirdly,strengthen brand building and policy promotion efforts,and guide farmers to actively participate in the policy implementation process.The fourth is to leverage the energy efficiency role of regulatory agencies,guide financial institutions to implement differentiated competition strategies,promote the construction of rural credit systems,enhance the risk prevention and resolution capabilities of financial institutions,and optimize the financial ecological environment of agriculture,rural areas and farmers.更多还原