發(fā)布時(shí)間：2018-05-25 01:27

  本文選題：戰(zhàn)略管理 + 商業(yè)銀行��； 參考：《南京農(nóng)業(yè)大學(xué)》2012年碩士論文

【摘要】：我國(guó)農(nóng)村信用社最早成立于建國(guó)初期,在我國(guó)農(nóng)村金融體系的構(gòu)成中,農(nóng)村信用合作金融占據(jù)至關(guān)重要的地位,對(duì)我國(guó)農(nóng)村經(jīng)濟(jì)的發(fā)展起到了重要的金融支持作用。目前,面對(duì)我國(guó)目前農(nóng)村金融供需矛盾突出、服務(wù)體系不完善、體制機(jī)制不健全、機(jī)構(gòu)功能不完備、基礎(chǔ)建設(shè)不配套和政策扶持不到位等現(xiàn)狀,農(nóng)村信用社開始尋求更符合發(fā)展要求,更能為三農(nóng)提供便捷、有效的改變途徑。2003年以來,隨著我國(guó)金融體制改革的深入,圍繞著農(nóng)村信用社多種產(chǎn)權(quán)選擇的新一輪改革拉開了帷幕。鎮(zhèn)海區(qū)農(nóng)村信用合作社聯(lián)合社及轄內(nèi)信用社雖然在2007年12月,根據(jù)統(tǒng)一法人體制改革要求,合并組建成立了目前擁有獨(dú)立法人資格的寧波市鎮(zhèn)海區(qū)農(nóng)村信用合作聯(lián)社,實(shí)現(xiàn)了一級(jí)法人的產(chǎn)權(quán)模式,理順了農(nóng)村信用社的管理體制,形成了新的組織架構(gòu)。但隨著經(jīng)濟(jì)發(fā)展需求的不斷變化,農(nóng)村信用社經(jīng)營(yíng)管理中存在著一些問題,如產(chǎn)權(quán)不明晰、管理體制混亂,歷史包袱比較沉重,資產(chǎn)質(zhì)量低下,支農(nóng)功能異化等日益凸顯。這些問題都成為其發(fā)展道路上的阻礙,急需追本朔源,解決完善。本文以農(nóng)村信用社的改革發(fā)展戰(zhàn)略理論和我國(guó)農(nóng)村信用社的改革發(fā)展現(xiàn)狀為出發(fā)點(diǎn),在綜合性理論研究和全面了解國(guó)內(nèi)外農(nóng)村信用社改革發(fā)展研究現(xiàn)狀的基礎(chǔ)上,以寧波市鎮(zhèn)海區(qū)農(nóng)村信用合作聯(lián)社為研究對(duì)象,通過對(duì)其所在區(qū)域的環(huán)境特點(diǎn),行業(yè)的發(fā)展現(xiàn)狀和自身的管理經(jīng)營(yíng)情況的詳細(xì)分析,指出其現(xiàn)階段在管理模式和經(jīng)營(yíng)方式上存在的不足,并結(jié)合實(shí)際情況,提出鎮(zhèn)海區(qū)農(nóng)村信用合作聯(lián)社的改革發(fā)展戰(zhàn)略方向——改制為股份制商業(yè)銀行。在充分論證了此發(fā)展戰(zhàn)略方向的可行性扣必要性的基礎(chǔ)上,進(jìn)一步提出股份制改造的具體實(shí)施步驟及措施和建議。首先,從公司治理、市場(chǎng)定位、風(fēng)險(xiǎn)管理、企業(yè)文化各層面明確發(fā)展戰(zhàn)略；其次,分步驟、多層面實(shí)施戰(zhàn)略,具體包括：優(yōu)化股權(quán)結(jié)構(gòu)、建立穩(wěn)定的資本補(bǔ)充機(jī)制、變革組織架構(gòu)等多舉措完善公司治理結(jié)構(gòu)、通過風(fēng)險(xiǎn)管控、流程銀行建設(shè),會(huì)計(jì)基礎(chǔ)和審計(jì)監(jiān)督功能的強(qiáng)化提升內(nèi)部管理水平；落實(shí)健全績(jī)效分配機(jī)制、加強(qiáng)干部隊(duì)伍建設(shè)等舉措以強(qiáng)化人力資源管理,繼續(xù)推進(jìn)企業(yè)文化建設(shè)和改善金融環(huán)境,通過對(duì)信貸杠桿的合理運(yùn)用,使服務(wù)三農(nóng)、支持中小企業(yè)的服務(wù)宗旨在改制后以一貫之。
[Abstract]:Rural credit cooperatives were first established in the early years of the people's Republic of China. In the composition of rural financial system, rural credit cooperative finance occupies a vital position, and plays an important role in supporting the development of rural economy in our country. At present, in the face of the outstanding contradiction between supply and demand of rural finance in our country, the imperfect service system, the imperfect system and mechanism, the incomplete functions of the institutions, the lack of supporting infrastructure and the lack of policy support, etc. Rural credit cooperatives have begun to seek more suitable development requirements and can provide convenient and effective ways to change agriculture, rural areas and farmers. Since 2003, with the deepening of China's financial system reform, Around a variety of rural credit cooperatives choice of property rights a new round of reform began. Although in December 2007, the United Cooperative of Rural Credit Cooperatives in Zhenhai District and the credit cooperatives within its jurisdiction, in accordance with the requirements of the reform of the unified legal person system, it merged and established the Rural Credit Cooperative Cooperative of Zhenhai District of Ningbo City, which currently has the status of independent legal person. It realizes the property right mode of the first class legal person, straightens out the management system of the rural credit cooperative, and forms a new organization structure. However, with the continuous change of economic development demand, there are some problems in the management of rural credit cooperatives, such as unclear property rights, chaotic management system, heavy historical burden, low quality of assets, alienation of supporting agriculture function and so on. These problems have become obstacles on the road of its development, urgent need to trace the source, to solve the problem. Based on the theory of reform and development strategy of rural credit cooperatives and the status quo of rural credit cooperatives reform and development in China, this paper makes a comprehensive theoretical study of the reform and development of rural credit cooperatives at home and abroad on the basis of a comprehensive understanding of the current situation of research on the reform and development of rural credit cooperatives. Taking the Zhenhai Rural Credit Cooperation Association of Ningbo City as the research object, through the detailed analysis of the environmental characteristics of its area, the development status of the industry and its own management and management, This paper points out the shortcomings in management mode and management mode at present, and puts forward the reform and development strategy direction of Zhenhai Rural Credit Cooperative Corporation, which is transformed into a joint-stock commercial bank, in combination with the actual situation. On the basis of fully demonstrating the feasibility and necessity of this development strategy direction, the paper further puts forward the concrete implementation steps, measures and suggestions of the joint stock system transformation. First of all, from the corporate governance, market positioning, risk management, corporate culture at all levels of clear development strategy; second, step by step, multi-level implementation strategy, including: optimize the ownership structure, establish a stable capital replenishment mechanism, Reform the organizational structure and other measures to improve the corporate governance structure, through risk control, process banking construction, accounting basis and audit supervision function to enhance the level of internal management; implementation of a sound performance distribution mechanism, To strengthen the construction of cadres and other measures to strengthen the management of human resources, to continue to promote the construction of corporate culture and improve the financial environment, through the rational use of credit leverage, so as to serve agriculture, rural areas, and farmers. Support for small and medium-sized enterprises in the service purpose of restructuring with consistent.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F272;F832.35

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