泗洪农村合作银行支持农村经济发展的研究
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摘要
泗洪农村合作银行是江苏省首家农合行,在过去的几年中一直致力于深化农信社改革,服务泗洪农村金融发展。以农村金融理论和经济发展理论为基础,研究制约泗洪农村合作银行支持农村经济发展的关键因素,找出现有问题的治理之道,具有很强的实践性和应用价值。
本文基于泗洪农村合作银行的经营数据,泗洪县农村经济发展的数据进行以下几方面的分析：
第一章：问题的提出。梳理国内外相关文献,借鉴前人研究思路和研究成果。确定论文涉及的关键概念和研究内容。同时选取适合的研究方法和途径。理清文章的大体研究思路。
第二章：理论回顾与分析。梳理农村合作银行作用农村经济发展的理论基础,主要涉及金融增长和经济发展理论和合作金融理论两大块。运用基础理论,从农村中小企业与“三农”的角度,阐述农村合作银行对农村经济发展的作用。
第三章：泗洪农村合作银行支持农村经济发展的分析。首先分别对泗洪农村经济现状及泗洪农村合作银行整体情况分析。进而从微观数据入手,借鉴Yaron评价金融机构二元指标体系,从贷款投放量、农户和小企业贷款户数与贷款覆盖面、金融创新对泗洪农村合作银行支持农村经济发展进行绩效评估。最后将宏观和微观分析相结合论述对“三农”服务特别是高效农业发展的影响,以及对当地中小企业融资的影响。
第四章：泗洪农村合作银行支持农村经济发展的制约因素分析。从区域经济发展制约银行的资金规模；农村信用环境差,信用担保体制缺失；激烈的市场竞争环境,与商业银行存在的差距；信贷风险高,资产质量差；金融产品与服务创新能力有待提高五个方面阐述。
第五章：相关政策建议。从因地制宜,促进区域经济发展；改善农村信用环境,建全信用担保体系；准确市场定位,塑造自己的品牌；控制贷款风险,提高资产质量；加大金融产品创新、服务创新等方面提出相应的政策建议,为泗洪农村合作银行支持农村经济健康持续发展提供相关依据。
SiHong rural cooperative bank is the first rural cooperative bank in Jiangsu Province.It has being promoting the reform of rural credit cooperatives according to the situation of SiHong. On the basis of the theory of rural financial theory and economic development theory, finding the main problem of effecting SiHong rural cooperative bank supporting the rural economic development and putting forward some suggested measures for the transformation has some practical value.
In this paper, Based on the date from SiHong rural cooperative bank and rural economic development date of SiHong county, we analysis something of the following aspects:
Chapter one is put forward the Questions. Screening for the hot economic issues and combining with ourselves practical work, we have reviewed some domestic and foreign literature to define the relevant concepts and determine the background and significance of research, at the same time; we also select the appropriate methods and approaches of the research. Get the general ideas of the article.
Chapter Two is theory review and analysis. We have reviewed some domestic and foreign literature in order to classify theory basis. The theory mainly related to two parts, the first is the theory of financial growth and economic development, the second is about cooperative finance theory. In this paper, based on the current theory, we described the functions of the cooperative Banks in the rural economic development from the rural SMES and the "Agricultural culture, Agricultural village, Agricultural peasants".
Chapter three is an Empirical Analysis about SiHong rural cooperative bank, firstly, we must have a total understanding of the local rural economic development status and basic information about SiHong rural cooperative bank, and we also analyzed the interaction between of them. second, based on the micro data and Yaron evaluation index system, we evaluated the performance of SiHong rural cooperative bank to support the rural economic development, which is from four aspects to analyze, such as loans quantity、the number of farmer and SMES loans and the coverage of loans、the kinds of credit and innovative products. Finally, combining macro and micro, we described the impact of "Agricultural culture. Agricultural village, Agricultural peasants", especially the efficiency agriculture development of SiHong, as well as the impact on local SMES.
Chapter four is restriction factors of SiHong rural cooperative bank, we described the restriction factors mainly from five aspects, such as the local restriction factor of Bank asset scale、poor rural credit environment and lack of credit guarantee system. the fierce market and the gap with commercial banks、low quality of bank credit assets and high credit risk、further enhanced of Financial products and service innovation ability.
Chapter five is relevant policies and suggestions, which are about how to make SiHong rural cooperative bank healthy and sustainable development. We put forward some relevant policies and suggestions, mainly from the following aspects:adjust measures to local conditions and develop the regional economic、improve rural credit environment and set up credit guarantee system、positing accurate market and create own brands、effective control the risk of the loan、increasing financial product and service innovation.
本文基于泗洪农村合作银行的经营数据,泗洪县农村经济发展的数据进行以下几方面的分析：
第一章：问题的提出。梳理国内外相关文献,借鉴前人研究思路和研究成果。确定论文涉及的关键概念和研究内容。同时选取适合的研究方法和途径。理清文章的大体研究思路。
第二章：理论回顾与分析。梳理农村合作银行作用农村经济发展的理论基础,主要涉及金融增长和经济发展理论和合作金融理论两大块。运用基础理论,从农村中小企业与“三农”的角度,阐述农村合作银行对农村经济发展的作用。
第三章：泗洪农村合作银行支持农村经济发展的分析。首先分别对泗洪农村经济现状及泗洪农村合作银行整体情况分析。进而从微观数据入手,借鉴Yaron评价金融机构二元指标体系,从贷款投放量、农户和小企业贷款户数与贷款覆盖面、金融创新对泗洪农村合作银行支持农村经济发展进行绩效评估。最后将宏观和微观分析相结合论述对“三农”服务特别是高效农业发展的影响,以及对当地中小企业融资的影响。
第四章：泗洪农村合作银行支持农村经济发展的制约因素分析。从区域经济发展制约银行的资金规模；农村信用环境差,信用担保体制缺失；激烈的市场竞争环境,与商业银行存在的差距；信贷风险高,资产质量差；金融产品与服务创新能力有待提高五个方面阐述。
第五章：相关政策建议。从因地制宜,促进区域经济发展；改善农村信用环境,建全信用担保体系；准确市场定位,塑造自己的品牌；控制贷款风险,提高资产质量；加大金融产品创新、服务创新等方面提出相应的政策建议,为泗洪农村合作银行支持农村经济健康持续发展提供相关依据。
SiHong rural cooperative bank is the first rural cooperative bank in Jiangsu Province.It has being promoting the reform of rural credit cooperatives according to the situation of SiHong. On the basis of the theory of rural financial theory and economic development theory, finding the main problem of effecting SiHong rural cooperative bank supporting the rural economic development and putting forward some suggested measures for the transformation has some practical value.
In this paper, Based on the date from SiHong rural cooperative bank and rural economic development date of SiHong county, we analysis something of the following aspects:
Chapter one is put forward the Questions. Screening for the hot economic issues and combining with ourselves practical work, we have reviewed some domestic and foreign literature to define the relevant concepts and determine the background and significance of research, at the same time; we also select the appropriate methods and approaches of the research. Get the general ideas of the article.
Chapter Two is theory review and analysis. We have reviewed some domestic and foreign literature in order to classify theory basis. The theory mainly related to two parts, the first is the theory of financial growth and economic development, the second is about cooperative finance theory. In this paper, based on the current theory, we described the functions of the cooperative Banks in the rural economic development from the rural SMES and the "Agricultural culture, Agricultural village, Agricultural peasants".
Chapter three is an Empirical Analysis about SiHong rural cooperative bank, firstly, we must have a total understanding of the local rural economic development status and basic information about SiHong rural cooperative bank, and we also analyzed the interaction between of them. second, based on the micro data and Yaron evaluation index system, we evaluated the performance of SiHong rural cooperative bank to support the rural economic development, which is from four aspects to analyze, such as loans quantity、the number of farmer and SMES loans and the coverage of loans、the kinds of credit and innovative products. Finally, combining macro and micro, we described the impact of "Agricultural culture. Agricultural village, Agricultural peasants", especially the efficiency agriculture development of SiHong, as well as the impact on local SMES.
Chapter four is restriction factors of SiHong rural cooperative bank, we described the restriction factors mainly from five aspects, such as the local restriction factor of Bank asset scale、poor rural credit environment and lack of credit guarantee system. the fierce market and the gap with commercial banks、low quality of bank credit assets and high credit risk、further enhanced of Financial products and service innovation ability.
Chapter five is relevant policies and suggestions, which are about how to make SiHong rural cooperative bank healthy and sustainable development. We put forward some relevant policies and suggestions, mainly from the following aspects:adjust measures to local conditions and develop the regional economic、improve rural credit environment and set up credit guarantee system、positing accurate market and create own brands、effective control the risk of the loan、increasing financial product and service innovation.
引文
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[2]Jacob Yaron. Successful Rural Finance Institutions Discussion [C]. Washington DC:World Bank Paper 150,1992.
[3]King, Robert G&Levine, Ross."Finance and Growth:Schumpeter Might Be Right," The Quarterly Journal of Economics, MIT Press,1993, vol.108 (3)
[4]LOVE, I. Financial Development and Financing Constraint:International Evidence from the Structural Investment Model [J]. Review of Financial Studies,2003(16).
[5]Pagano, Marco.Financial Markets and Growth:An Overview [M].European Economic Review,1993
[6]Ross Levine and Sara Zervo.Stock Markets, Banks, and Economic Growth. [J].American Economic Review.1998. (3)
[7]安翔.我国农村金融发展与农村经济增长的相关分析——基于帕加诺模型的实证检验[J].经济问题.2005,(10).
[8]安杰山.农村金融与经济发展[J].农业经济,2010,(5).
[9]不断深化金融改革提升金融支农水平——江苏省农村金融改革的实践与探索[J].农村经济,2005,(1)
[10]邓毅.合作金融概论[M].广东教育出版社,1997.
[11]何广文.中国农村金融供求特征及均衡供求的路径选择[J].中国农村信用合作,2001,(9).
[12]侯利文.农村合作金融组织体系的重构[J].统计与决策,2011,(4).
[13]黄芊芊.对农村合作银行支持社会主义新农村建设的思考[J].区域金融研究,2010,(7).
[14]国务院.深化农村信用社改革试点方案[M].2003.8.
[15]纪淼,李宏瑾.我国农村正规金融与农村经济增长的实证分析[J].南方金融,2007,(8).
[16]陆健华,李敏.农村合作银行经营效率评价指标体系设计[J].科技创业月刊,2009,(4).
[17]李晓健.对农村合作银行深化产权制度改革的思考[J].经济与社会发展.2008,(9).
[18]刘洋,沈晶.论我国农村合作银行的现状及发展定位[J].北方经贸.2007,(6).
[19]马宏建.农村信用社改革历程[J]金融信息参考,2003,(4).
[20]李树生,岳志.合作金融概论[M].吉林人民出版社,1989.
[21]上官小放,黄子暄.发达国家农村合作金融发展的经验与启示[J].金融与经济,2011,(2).
[22]沈平.论农村合作金融机构如何加强对微小企业的金融服务[J].当代经济,2010,(24).
[23]佘万伟.基于需求视角的我国农村金融体系的完善[D].财政部财政科学研究所,2010
[24]谭遥.关于我国农村合作银行发展研究[J].区域金融研究,2011,(2).
[25]王光宇.2009-2010年农村银行金融机构竞争力评价[J].银行家,2010,(8).
[26]王广谦.20世纪西方货币金融理论研究：发展与评述[M].经济科学出版社,2003.
[27]王春青.农村合作金融风险管理研究[J].财会研究,2010,(14).
[28]王先德,林国妙.农村合作银行员工激励机制的设计[J].浙江金融,2007,(10).
[29]吴晓岚.农村合作金融发展问题研究[J].浙江金融,2009,(9).
[30]许崇正,高希武.农村金融对增加农民收入支持状况的实证分析[J].金融研究,2005,(9).
[31]徐瑜青,周吉帅,杨露静.农村合作银行的现状及问题[J].农村经济,2009,(8).
[32]夏以群,洪小芝.新金融发展理论的主要内容及其意义[J].百科论丛,2009,(9).
[33]杨国润,盛春晓.农村合作银行推进股权管理改革问题初探[J].浙江金融,2007,(9).
[34]余可成.农村政策性银行在涉农中小企业融资上的作用研究[D].华中科技大学,2006.
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