基于层次分析法的山东省农村信用社可持续发展研究

发布时间：2017-12-31 06:33

本文关键词：基于层次分析法的山东省农村信用社可持续发展研究　出处：《华中科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：山东省农村信用社深化改革第一阶段产权制度和组织形式改革的任务基本完成，由“深化改革试点”全面转入“深入实施和攻坚”阶段，山东省农村信用社的改革由点到面全面铺开，走上股份制银行化改革的道路。山东省农村信用社以服务“三农”为宗旨，因农而生，随农而变，是促农发展的农村金融主力军。随着农村金融体系的日趋完善，银监会放宽农村地区金融机构市场准入门槛，村镇银行、贷款公司、资金互助组织等新型农村金融机构相继催生，，农村信用社在农村“一枝独秀”的格局被彻底打破，农村金融市场竞争愈演愈烈。作为农村金融的主力军，农村信用社如何在进一步深化改革中发挥职能作用，实现社农“双赢”和自身的可持续发展是当前迫切需要解决的难题。因此，农村信用社要在不断改革的过程中寻求可持续发展的契机。本文选取山东省农村信用社为研究对象，研究其可持续发展战略。根据国内外关于合作金融和信用社的相关研究，针对山东省农村信用社的发展历程和现状，选取风险管理水平能力、盈利水平能力、业务扩张水平能力、人力资源管理水平能力4个一级指标，利用SWOT分析法分析山东省可持续发展的优势、机会、劣势、威胁，根据SWOT战略分析法得出：山东省农村信用社应该走SO增长型可持续发展战略；并根据分析结果，提出了加强山东省农村信用社可持续发展的对策与建议。
[Abstract]:The task of the reform of the property right system and the organizational form of the rural credit cooperatives in Shandong Province in the first stage of deepening the reform has basically been completed, and the stage of "deepening the reform pilot" has been fully transformed into the stage of "deepening the implementation and attacking the key points". The reform of rural credit cooperatives in Shandong Province has been spread out from point to surface, and it has embarked on the road of joint-stock banking reform. The purpose of rural credit cooperatives in Shandong Province is to serve the "three rural areas", which is born because of agriculture and changes with agriculture. With the improvement of rural financial system, CBRC relaxed the threshold of market access for financial institutions in rural areas, village banks, loan companies. New rural financial institutions, such as mutual fund organizations, have spawned one after another, the pattern of rural credit cooperatives in the rural "alone" has been completely broken, rural financial market competition intensified. As the main force of rural finance. How to play a role in further deepening the reform and how to realize the "win-win" and sustainable development of rural cooperatives is an urgent problem to be solved. Rural credit cooperatives should seek the opportunity of sustainable development in the process of continuous reform. This paper selects Shandong Rural Credit Cooperative as the research object, studies its sustainable development strategy. According to the domestic and foreign related research on cooperative finance and credit cooperative, aiming at the development course and current situation of Shandong Rural Credit Cooperative. Select the risk management level ability, profit level ability, business expansion level ability, human resources management level ability four first-level indicators, using SWOT analysis analysis of sustainable development in Shandong Province, the advantages and opportunities. Disadvantages, threats, according to the SWOT strategic analysis method: Shandong rural credit cooperatives should take so growth sustainable development strategy; According to the analysis results, the countermeasures and suggestions to strengthen the sustainable development of rural credit cooperatives in Shandong Province are put forward.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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