本科生論文——試論我國(guó)村鎮(zhèn)銀行發(fā)展存在的問(wèn)題及對(duì)策-展示頁(yè)
2025-07-07 09:49本頁(yè)面
【正文】 立3家，中行則還沒(méi)有涉足村鎮(zhèn)銀行。在這樣的形勢(shì)下，我國(guó)農(nóng)業(yè)是弱質(zhì)產(chǎn)業(yè)，其競(jìng)爭(zhēng)激烈，若不能得到金融方面的支持，農(nóng)業(yè)農(nóng)村就不會(huì)有較好的發(fā)展。本文將從金融產(chǎn)品創(chuàng)新、金融服務(wù)的創(chuàng)新、加強(qiáng)自身建設(shè)、建立切實(shí)可行的風(fēng)險(xiǎn)控制體系等方面對(duì)我國(guó)村鎮(zhèn)銀行的發(fā)展存在的問(wèn)題進(jìn)行研究并根據(jù)相關(guān)經(jīng)驗(yàn)提出相應(yīng)對(duì)策以便村鎮(zhèn)銀行可持續(xù)發(fā)展。 研究的意義與目的村鎮(zhèn)銀行成立后，利用其經(jīng)營(yíng)機(jī)制的獨(dú)特性、市場(chǎng)化運(yùn)作與的貸款審批的高效性等較好地滿足了農(nóng)村多元化的金融方面的需求。但由于起步較晚，我國(guó)村鎮(zhèn)銀行的發(fā)展也仍然存在經(jīng)營(yíng)發(fā)展空間受限、吸儲(chǔ)壓力大、資金籌集難、風(fēng)險(xiǎn)控制難等諸多方面的問(wèn)題，這些都阻礙了我國(guó)村鎮(zhèn)銀行的發(fā)展。為此，本文提出了金融產(chǎn)品創(chuàng)新、金融服務(wù)的創(chuàng)新、加強(qiáng)自身建設(shè)、建立切實(shí)可行的風(fēng)險(xiǎn)控制體系等對(duì)策以解決我國(guó)村鎮(zhèn)銀行發(fā)展存在的一些問(wèn)題，使其更健康快速的發(fā)展【關(guān)鍵詞】村鎮(zhèn)銀行、資金籌集、風(fēng)險(xiǎn)控制、金融服務(wù) Discuss about the problems and countermeasures existing in the development of bourg bank in our country【Abstract】:Since Chinese Banking Management Supervision Committee promulgated some opinions about adjustment and relaxing countryside area bank industry financial organ admittance policy better supporting socialism new rural construction, and which relax the new pattern rural finance organization admittance standard, the new pattern rural finance organization——bourg bank had good development space .But because the beginning is late , our country’s bourg bank development still exist lots of questions, such as management development space limited , the high pressure in attracting storage, difficulty in raising funds and controlling risk and so on, which are hindering its development. Therefore, this article e up with some countermeasures, such as the innovation of finance product and financial service, strengthening the self construction, establishing the practical and feasible risk control system and so forth to solve those problems existing in the development of our country’s bourg bank, so as to make it healthy and fast development.【Keywords】: Bourg bank、Raise funds、Risk control、Financial service目錄摘要…………………………………………………………………………………………01目錄…………………………………………………………………………………………021. 引言………………………………………………………………………………………03. 研究背景…………………………………………………………………………………03. 研究的意義與目的…………………………………………………………………032. 我國(guó)村鎮(zhèn)銀行的現(xiàn)狀分析……………………………………………………………03. 我國(guó)村鎮(zhèn)銀行發(fā)展歷程及現(xiàn)狀…………………………………………………………04. 我國(guó)村鎮(zhèn)銀行的特點(diǎn)及優(yōu)勢(shì)…………………………………………………………05. 影響我國(guó)村鎮(zhèn)銀行的發(fā)展因素……………………………………………………053. 我國(guó)村鎮(zhèn)銀行發(fā)展中存在的問(wèn)題…………………………………………………………07. 業(yè)務(wù)發(fā)展的空間受到限制………………………………………………………………07. 吸儲(chǔ)的壓力大、資金籌集難…
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