保定市村镇银行发展问题探究

　　摘 要

　　我国自改革开放以来，社会经济发展速度较快，取得了很大的成果。但受城乡二元经济结构的影响，农村经济发展速度相对缓慢，城乡差距反而不断扩大，农村金融体系还没有真正助推“三农”和中小企业发展，农村金融机构不仅没有为农村经济的发展提供有力支撑，反而在某种程度上导致部分金融资源不断向城市集中，并逐渐成为制约农村经济快速发展的重要影响因素。村镇银行等新型农村金融机构的设立，有利于解决农村地区银行业金融机构网点覆盖率低、竞争不充分、金融供给不足等问题，加大对农村地区的金融支持。本文以保定市村镇银行发展现状为基础，通过理论分析和实证研究，详细剖析了当前保定市村镇银行发展过程中所遇到的问题，并对产生这些问题的制约因素进行分析，分别从提升自身能力、加强政策扶持和强化监管措施等3 个方面提出了有关促进保定市村镇银行发展的对策建议，希望能对今后保定市村镇银行的运营实践提供参考。

　　关键词 农村金融 村镇银行 市场定位 风险防控

　　Abstract

　　Since reform and opening up in China, both the society and economy developedquickly, great achievements have been made. Due to the special dual economic structure inChina, the rural economy characterized by slow development pace and urban-rural gap iswidening instead, rural financial system has not really booster “agriculture, rural areas andfarmers” and the development of small and medium-sized enterprises. Rural financialinstitutions not only failed to provide strong support for rural economic development, but tosome extent led some financial resources concentrated to urban, and gradually become animportant factor restricting the rapid development of rural economy. The establishment ofnew types of rural financial institutions such as village banks is helpful to solve thoseproblems in rural financial institutions such as low coverage, insufficient competition andfinancial shortage, which will strengthen financial support for rural areas. Based on thepresent situation of rural financial system of Baoding city, theoretical analysis and empiricalstudy, this paper analyzed in detail the current problems encountered in the developmentprocess of village Banks of Baoding city, and put forward countermeasures and suggestionsin three aspects including strengthening policy support, improving their own ability andstrengthening supervision measures,which aimed at providing reference for the operatingpractices of Baoding village banks in the future.

　　Key words Rural Finance,village Bank,Market Positioning,Risk prevention and control

    目 录

　　第 1 章 绪论 ······························································································1

　　1.1 研究的背景和意义················································································ 1

　　1.1.1 研究的背景 ··················································································· 1

　　1.1.2 研究的意义··················································································· 2

　　1.2 国内外研究现状··················································································· 2

　　1.2.1 国内研究综述················································································ 2

　　1.2.2 国外研究综述················································································ 4

　　1.3 研究内容、方法及创新点······································································· 5

　　1.3.1 研究内容 ····················································································· 5

　　1.3.2 研究方法 ····················································································· 5

　　1.3.3 创新点 ······················································································· 5

　　第 2 章 我国村镇银行发展现状·······································································7

　　2.1 村镇银行概念 ····················································································· 7

　　2.1.1 村镇银行的概念和特点 ···································································· 7

　　2.1.2 设立村镇银行的目的和原则 ······························································ 8

　　2.2 我国村镇银行发展现状·········································································· 9

　　2.3 保定市村镇银行组建情况分析································································11

　　2.4 保定市村镇银行发展优势、劣势分析·······················································14

　　2.4.1 优势 ··························································································14

　　2.4.2 劣势 ··························································································16

　　2.5 保定市村镇银行发展趋势······································································17

　　第 3 章 保定市村镇银行发展和制约因素分析····················································19

　　3.1 发展环境 ··························································································19

　　3.1.1 所处的经济环境 ············································································19

　　3.1.2 所处的金融环境 ············································································20

　　3.2 发展现状 ··························································································22

　　3.2.1 基本情况 ·····················································································22

　　3.2.2 经营情况分析 ···············································································23

　　3.2.3 取得的成效 ··················································································25

　　3.3 村镇银行发展制约因素分析···································································26

　　3.3.1 存在的问题 ··················································································26

　　3.3.2 村镇银行发展的内部制约因素 ··························································27

　　3.3.2 村镇银行发展的外部制约因素 ··························································30

　　第 4 章 促进保定市村镇银行发展的对策建议····················································32

　　4.1 提升自身能力，打造村镇银行核心竞争力 ··············································32

　　4.1.1 完善法人治理，提升管理水平 ··························································32

　　4.1.2 坚守市场定位，提升金融服务水平 ····················································33

　　4.1.3 加强产品创新，扩大农村金融服务对象··············································33

　　4.1.4 坚持“本土化”战略，加强人才队伍建设···············································34

　　4.2 加强政策扶持，为村镇银行健康发展打造良好环境 ····································35

　　4.2.1 充分发挥当地政府部门的作用 ··························································35

　　4.2.2 加大财政政策支持力度 ···································································36

　　4.2.3 完善央行金融服务和支持功能 ··························································37

　　4.3 强化监管措施，为村镇银行稳健发展保驾护航 ··········································37

　　4.3.1 加强市场定位监管，及时纠正村镇银行的不良经营理念··························37

　　4.3.2 加强村镇银行风险监管 ···································································38

　　4.3.3 加强对村镇银行的引导作用·····························································38

　　4.3.4 加强监管保障，打造村镇银行的科学监管平台·····································39

　　结 束 语··································································································40

　　参考文献··································································································41

　　致 谢··································································································43