湖南省农村信用社竞争力研究
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摘要
自2006年12月11日起,我国金融业全面对外开放。在当前和未来一个时期,我国将继续按照中央关于加快推进农村金融改革的总体要求,结合“三农”发展新形势和农村金融需求新变化,着力打造多层次、广覆盖、可持续的农村金融体系,推动完善农村金融运行机制,持续增强农村金融服务功能,不断提高农村金融服务水平,更好地发挥农村金融在社会主义新农村建设与和谐社会构建中的重要作用。
在金融业全面开放、农村金融市场竞争日趋激烈的情况下,湖南省农村信用社作为地方性中小金融机构,要想在优胜劣汰的市场经济中得以生存和发展,必须对其竞争力做出客观公正的评价,以清楚地认识到自身在同行业中所处的位置,并依此制定出行之有效的发展战略,在激烈的市场竞争中处于不败之地,更好地为地方经济发展服务。论文首先简要介绍了选题的背景和意义,并结合研究课题,展开了相关理论综述;在对竞争力的含义及其基础理论进行了简要的回顾后,对竞争力的理论分析模型进行了总结;通过对农村信用社竞争力内涵的总结和农村信用社竞争力研究的评述,论文对湖南省农村信用社竞争力进行了实证分析,并运用SWOT分析方法,对湖南省农村信用社的内部优劣势和外部机会威胁进行分析,得出湖南农村信用社的竞争优势和劣势;最后提出了提升湖南省农村信用社竞争力的对策与建议,即:明确改革方向,继续深化湖南省农村信用社改革;完善湖南省农村信用社的法人治理结构;加快湖南省农村信用社金融创新步伐;实施全面风险管理;加快湖南农村信用社竞争力的支持保障体系建设等等。
Since December 11, 2006, the full opening of China's financial industry. In the present and future for a period of time, our country will continue to be central to speed up rural financial reform and innovation to promote the general requirements, combined with the "three rural" development of the new situation and new changes in the demand for rural finance, efforts to create multi-level, wide coverage, and sustainable rural Financial system, Improve the promotion of rural financial mechanism, continuing to strengthen the rural financial services, and constantly improve the level of rural financial services, better rural finance in the new socialist countryside construction and building a harmonious society in an important role.
In the full liberalization of the financial sector, the rural financial market is becoming increasingly fierce, Hunan Province, local rural credit cooperatives as small and medium-sized financial institutions, in order to the survival of the fittest to survive in a market economy and development, must be competitive to make an objective and fair The evaluation in order to clearly recognize that their own industries at the same position, which has the advantage of less than what exists. Only in this way, Hunan Province, the rural credit cooperatives and so in order to work out effective development strategies, in their fierce market competition in a position to better service for local economic development. First of all, paper outlined the background and significance of the topic, combined with research, carried out the relevant theoretical synthesis; then the meaning of competitiveness and its theoretical basis for a brief review and analysis of the competitive model Sum; again on the competitiveness of the rural credit cooperatives had a connotation of the sum, the competitiveness of rural credit cooperatives and research related to the comments. Papers in Hunan Province on the competitiveness of the rural credit cooperatives carried out on the basis of empirical analysis, the use of SWOT analysis, credit cooperatives in rural Hunan Province on the advantages and disadvantages of internal and external threats to an analysis of the opportunity to come in Hunan's rural credit cooperatives and competitive advantage Inferior; Finally, to enhance the competitiveness of the rural credit cooperatives in Hunan Province of countermeasures and suggestions, namely: A clear direction for reform, Hunan Province, to continue to deepen reform of rural credit cooperatives; Hunan Province to improve rural credit cooperatives corporate governance structure; rural credit cooperatives in Hunan Province to speed up the pace of financial innovation; the implementation of a comprehensive risk management; Hunan Province to speed up rural credit cooperatives to support the competitiveness of the security system Construction, and so on. Hope that through the above measures in Hunan Province for rural credit cooperatives to enhance the competitiveness of the recommendations and provide useful reference.
在金融业全面开放、农村金融市场竞争日趋激烈的情况下,湖南省农村信用社作为地方性中小金融机构,要想在优胜劣汰的市场经济中得以生存和发展,必须对其竞争力做出客观公正的评价,以清楚地认识到自身在同行业中所处的位置,并依此制定出行之有效的发展战略,在激烈的市场竞争中处于不败之地,更好地为地方经济发展服务。论文首先简要介绍了选题的背景和意义,并结合研究课题,展开了相关理论综述;在对竞争力的含义及其基础理论进行了简要的回顾后,对竞争力的理论分析模型进行了总结;通过对农村信用社竞争力内涵的总结和农村信用社竞争力研究的评述,论文对湖南省农村信用社竞争力进行了实证分析,并运用SWOT分析方法,对湖南省农村信用社的内部优劣势和外部机会威胁进行分析,得出湖南农村信用社的竞争优势和劣势;最后提出了提升湖南省农村信用社竞争力的对策与建议,即:明确改革方向,继续深化湖南省农村信用社改革;完善湖南省农村信用社的法人治理结构;加快湖南省农村信用社金融创新步伐;实施全面风险管理;加快湖南农村信用社竞争力的支持保障体系建设等等。
Since December 11, 2006, the full opening of China's financial industry. In the present and future for a period of time, our country will continue to be central to speed up rural financial reform and innovation to promote the general requirements, combined with the "three rural" development of the new situation and new changes in the demand for rural finance, efforts to create multi-level, wide coverage, and sustainable rural Financial system, Improve the promotion of rural financial mechanism, continuing to strengthen the rural financial services, and constantly improve the level of rural financial services, better rural finance in the new socialist countryside construction and building a harmonious society in an important role.
In the full liberalization of the financial sector, the rural financial market is becoming increasingly fierce, Hunan Province, local rural credit cooperatives as small and medium-sized financial institutions, in order to the survival of the fittest to survive in a market economy and development, must be competitive to make an objective and fair The evaluation in order to clearly recognize that their own industries at the same position, which has the advantage of less than what exists. Only in this way, Hunan Province, the rural credit cooperatives and so in order to work out effective development strategies, in their fierce market competition in a position to better service for local economic development. First of all, paper outlined the background and significance of the topic, combined with research, carried out the relevant theoretical synthesis; then the meaning of competitiveness and its theoretical basis for a brief review and analysis of the competitive model Sum; again on the competitiveness of the rural credit cooperatives had a connotation of the sum, the competitiveness of rural credit cooperatives and research related to the comments. Papers in Hunan Province on the competitiveness of the rural credit cooperatives carried out on the basis of empirical analysis, the use of SWOT analysis, credit cooperatives in rural Hunan Province on the advantages and disadvantages of internal and external threats to an analysis of the opportunity to come in Hunan's rural credit cooperatives and competitive advantage Inferior; Finally, to enhance the competitiveness of the rural credit cooperatives in Hunan Province of countermeasures and suggestions, namely: A clear direction for reform, Hunan Province, to continue to deepen reform of rural credit cooperatives; Hunan Province to improve rural credit cooperatives corporate governance structure; rural credit cooperatives in Hunan Province to speed up the pace of financial innovation; the implementation of a comprehensive risk management; Hunan Province to speed up rural credit cooperatives to support the competitiveness of the security system Construction, and so on. Hope that through the above measures in Hunan Province for rural credit cooperatives to enhance the competitiveness of the recommendations and provide useful reference.
引文
[1]岳志.现代合作金融制度研究[M].中国金融出版社,2002
[2]何广文.合作金融发展模式及运行机制研究[M].中国金融出版社,2001
[3]费明胜,水家耀.核心能力—现代企业持续竞争的奥秘[M].华南理工大学出版社,2001(3)
[4]尼古莱.J.福斯,克里斯第安.克怒森.企业万能面向企业能力理论[M].东北财经大学出版社.1998(5)
[5]唐纳德.索尔.如何提升公司核心竞争力[M].企业管理出版社,2000(3)
[6]陈洪转,郑垂勇,徐佩.商业银行核心竞争力评价体系研究[J].金融教学与研究,2004(5):37-39
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[8]焦瑾璞.中国银行业国际竞争力研究[M].中国时代经济出版社,2001
[9][美]彼得.罗斯.商业银行管理[M]经济科学出版社,1999(3)
[10]焦瑾璞.中国银行业竞争力比较[M]中国金融出版社,2001
[11]周立,戴志敏.中小商业银行竞争力与发展[M].中国社会科学出版社,2003(12)
[12]王雪珂.刍论金融企业核心竞争力的内在结构与培育路径[J].特区经济,2006(9):56-58
[13]聂世民,李庆元.打造核心竞争力,促进城市商业银行稳健发展[J].经济师.2006(11):115-117
[14]盛小平,孙琳.企业核心竞争力理论透视[J].经济问题探索,2006(11):28-30
[15]王锐.浅谈投资银行核心竞争力培育[J],商场现代化,2006(10):83-84
[16]李镇西.关于提升城市商业银行核心竞争力的几点思考[J].中国金融,2006(15):35-38
[17]李政.基于创新的商业银行核心竞争力评价体系研究[J].金融理论与实践.2006(8):45-47
[18]约翰.伊特韦尔,默里.米尔盖特,彼得.纽曼.《新帕尔格雷夫经济学大辞典》[M].经济科学出版社出版,1996
[19]魏春旗,朱枫.商业银行竞争力[M].中国金融出版社,2005
[20]徐国华,张德,赵平.清华大学MBA教材《管理学》[M].清华大学出版社,1998
[21]迈克尔.波特.竞争优势[M].华夏出版社,1997
[22]张金昌.国际竞争力评价的理论与方法[M].经济科学出版社,2002
[23]王曙光.农村信用社改革30年[N].中国经济时报,2008.5.9
[24]湖南省农村信用社联合社网.http://www.hnnxs.com/Index.html
[25]关于印发湖南省农村信用社改革试点工作实施意见的通知,湘信改[2002]12号
[26]刘浩,吴家文,唐造时,陈剑.改革发展中的湖南农村信用社[N].湖南日报,2008.5.26
[27]于亚利,周晓等.西方商业银行业绩考评[M].企业管理出版社,2001
[28]郭升平.企业竞争力与企业文化建设[J].科技情报开发与经济.2005,(2)154-155
[29]湖南公众信息网.http://www.hunan.gov.cn/
[30]中国人民银行农村金融服务研究小组.中国农村金融服务报告.中国人民银行网,2008(9)
[31]金融时报网.http://www.financialnews.com.cn/
[32]中国合作金融网.http://www.ccfn.com.cn/
[33]胡平西,徐联初.中国金融前沿间题研究[M].中国金融出版社,2001(7)
[34]韩文亮.中国地方性银行效率分析[M].中国金融出版社,2000
[35]韩中和.企业竞争力-理论与案例分析[M].复旦大学学出版社,2000年
[36]陈小玲.经济发达地区农村信用社产权改革研究-以江苏为例(硕士学位论文)[D].南京农业人学,2004(5)
[37]洪慧娟.我国经济发达地区农村金融机构的运行效率分析一从银企关系的视角出发(博士学位论文)[D].南京农业大学,2001(6)
[38]金陪.竞争力经济学[M].广东经济出版社,2003(11)
[39]凌江怀,黄真,肖万满,林勇.现代商业银行经营与管理[M].广东旅游出版社,1996(8)
[40]刘荣茂,王红兵,高荣华.货币银行与金融运作[M].中国农业科技出版社,1996
[41]卢文岱.统计分析[M].电子工业出版社,2001(7)
[42]马忠富.中国农村合作金融发展研究[M].中国金融出版社,2001
[43]钱志新.竞争力二元结构[M].苏人民出版社,1999
[44]沙虎居.区域性民营银行的发展[M].社会科学文献出版社,2003(11)
[45]黄兰.银行竞争力理论分析与实证研究-江苏商业银行竞争力评价与分析(博士学位论文[D]).南京农业大学,2002(6)
[46]谢平.中国农村信用合作社体制改革的争论[J].金融研究,2001(1):87-92
[47]谢庆健.农村信用社改革探索[M].中国金融出版社,2002
[48]李薇.统计分析与SPSS的应用[M].中国人民人学出版社,2002(7)
[49]李波.西南经济发展的金融支持[M].西南财经人学出版社,2002
[50]向力力.长沙市商业银行竞争力研究,http://www.enki.com
[51]焦瑾璞.中国商业银行改革战略[M].经济科学出版社,2002
[52]张茹.农村商业银行治理结构:比较与借鉴(硕士学位论文)[D].南京农业大学,2003(5)
[2]何广文.合作金融发展模式及运行机制研究[M].中国金融出版社,2001
[3]费明胜,水家耀.核心能力—现代企业持续竞争的奥秘[M].华南理工大学出版社,2001(3)
[4]尼古莱.J.福斯,克里斯第安.克怒森.企业万能面向企业能力理论[M].东北财经大学出版社.1998(5)
[5]唐纳德.索尔.如何提升公司核心竞争力[M].企业管理出版社,2000(3)
[6]陈洪转,郑垂勇,徐佩.商业银行核心竞争力评价体系研究[J].金融教学与研究,2004(5):37-39
[7]安德鲁坎贝尔,凯瑟琳,萨默斯.卢斯.核心能力战略[M].东北财经大学出版社,1999,8
[8]焦瑾璞.中国银行业国际竞争力研究[M].中国时代经济出版社,2001
[9][美]彼得.罗斯.商业银行管理[M]经济科学出版社,1999(3)
[10]焦瑾璞.中国银行业竞争力比较[M]中国金融出版社,2001
[11]周立,戴志敏.中小商业银行竞争力与发展[M].中国社会科学出版社,2003(12)
[12]王雪珂.刍论金融企业核心竞争力的内在结构与培育路径[J].特区经济,2006(9):56-58
[13]聂世民,李庆元.打造核心竞争力,促进城市商业银行稳健发展[J].经济师.2006(11):115-117
[14]盛小平,孙琳.企业核心竞争力理论透视[J].经济问题探索,2006(11):28-30
[15]王锐.浅谈投资银行核心竞争力培育[J],商场现代化,2006(10):83-84
[16]李镇西.关于提升城市商业银行核心竞争力的几点思考[J].中国金融,2006(15):35-38
[17]李政.基于创新的商业银行核心竞争力评价体系研究[J].金融理论与实践.2006(8):45-47
[18]约翰.伊特韦尔,默里.米尔盖特,彼得.纽曼.《新帕尔格雷夫经济学大辞典》[M].经济科学出版社出版,1996
[19]魏春旗,朱枫.商业银行竞争力[M].中国金融出版社,2005
[20]徐国华,张德,赵平.清华大学MBA教材《管理学》[M].清华大学出版社,1998
[21]迈克尔.波特.竞争优势[M].华夏出版社,1997
[22]张金昌.国际竞争力评价的理论与方法[M].经济科学出版社,2002
[23]王曙光.农村信用社改革30年[N].中国经济时报,2008.5.9
[24]湖南省农村信用社联合社网.http://www.hnnxs.com/Index.html
[25]关于印发湖南省农村信用社改革试点工作实施意见的通知,湘信改[2002]12号
[26]刘浩,吴家文,唐造时,陈剑.改革发展中的湖南农村信用社[N].湖南日报,2008.5.26
[27]于亚利,周晓等.西方商业银行业绩考评[M].企业管理出版社,2001
[28]郭升平.企业竞争力与企业文化建设[J].科技情报开发与经济.2005,(2)154-155
[29]湖南公众信息网.http://www.hunan.gov.cn/
[30]中国人民银行农村金融服务研究小组.中国农村金融服务报告.中国人民银行网,2008(9)
[31]金融时报网.http://www.financialnews.com.cn/
[32]中国合作金融网.http://www.ccfn.com.cn/
[33]胡平西,徐联初.中国金融前沿间题研究[M].中国金融出版社,2001(7)
[34]韩文亮.中国地方性银行效率分析[M].中国金融出版社,2000
[35]韩中和.企业竞争力-理论与案例分析[M].复旦大学学出版社,2000年
[36]陈小玲.经济发达地区农村信用社产权改革研究-以江苏为例(硕士学位论文)[D].南京农业人学,2004(5)
[37]洪慧娟.我国经济发达地区农村金融机构的运行效率分析一从银企关系的视角出发(博士学位论文)[D].南京农业大学,2001(6)
[38]金陪.竞争力经济学[M].广东经济出版社,2003(11)
[39]凌江怀,黄真,肖万满,林勇.现代商业银行经营与管理[M].广东旅游出版社,1996(8)
[40]刘荣茂,王红兵,高荣华.货币银行与金融运作[M].中国农业科技出版社,1996
[41]卢文岱.统计分析[M].电子工业出版社,2001(7)
[42]马忠富.中国农村合作金融发展研究[M].中国金融出版社,2001
[43]钱志新.竞争力二元结构[M].苏人民出版社,1999
[44]沙虎居.区域性民营银行的发展[M].社会科学文献出版社,2003(11)
[45]黄兰.银行竞争力理论分析与实证研究-江苏商业银行竞争力评价与分析(博士学位论文[D]).南京农业大学,2002(6)
[46]谢平.中国农村信用合作社体制改革的争论[J].金融研究,2001(1):87-92
[47]谢庆健.农村信用社改革探索[M].中国金融出版社,2002
[48]李薇.统计分析与SPSS的应用[M].中国人民人学出版社,2002(7)
[49]李波.西南经济发展的金融支持[M].西南财经人学出版社,2002
[50]向力力.长沙市商业银行竞争力研究,http://www.enki.com
[51]焦瑾璞.中国商业银行改革战略[M].经济科学出版社,2002
[52]张茹.农村商业银行治理结构:比较与借鉴(硕士学位论文)[D].南京农业大学,2003(5)