泗阳农村商业银行财务营运战略研究

发布时间：2018-05-19 14:45

本文选题：农村商业银行 + 财务营运战略　；参考：《南京农业大学》2015年硕士论文

【摘要】：伴随着我国金融体系改革诞生的农村商业银行,已经成为我国银行业中具有显著特色的重要组成部分。在支持地方经济建设及各类中小企业发展上,尤其是服务三农方面,农村商业银行发挥着极其重要和不可替代的作用。目前,金融业的行业竞争日益激烈,县域和农村金融领域受到越来越多的银行关注,而财务营运战略的制定和实施对农村商业银行的绩效有着重要影响,是关乎其发展的大事。因此,包括泗阳农村商业银行在内所有农村商业银行需要在新形势下选择适合自身的财务营运战略。江苏泗阳农村商业银行是经中国银行业监督管理委员会批准,由境内自然人及非金融机构企业法人共同发起设立的股份制银行业金融机构,是在原农村合作银行的基础上发展起来。自组建运行一多年以来,有力地促进地方经济的发展,市场地位与品牌形象得到明显提升,在全县乃至农信银系统产生一定影响,新的银行运作模式将获得了极大的成功。泗阳农村商业银行的社会形象迅速提升,各项业务飞速发展,管理制度逐步健全,抗风险能力大大增强;但近年来,泗阳县经济快速发展,经济上升趋势十分明显,随着经济的发展和金融市场需求的扩大,且金融业面临全面开放的客观现实,包括外资银行在内的很多银行已把目光聚焦在县域和农村金融领域,各类金融机构已开始陆续进驻泗阳,在如此激烈的竞争环境中,泗阳农村商业银行如何克服自身所面临的各项困境,走出一条特色发展之路已迫在眉睫。制定适合泗阳农村商业银行发展的财务营运战略,这是泗阳农村商业银行所面临解决的重要课题。本文首先对财务战略研究进行了理论回顾,包括财务战略的主体及研究成果、财务战略的分析方法以及资产负债管理理论、信息不对称理论和现代投资组合理论在财务战略研究中的支持作用。然后本文对泗阳农村商业银行的发展现状进行总结并运用波士顿矩阵模型、因子分析法对泗阳农村商业银行进行综合剖析,得出其财务营运战略的基本定位。本文认为,泗阳农村商业银行应在严格控制风险的前提下,重点发展农户贷款、企业贷款等优势产品以获取利润,并不断提高科技服务技术和水平,完善网上银行和电子银行等业务的发展,同时注重按揭贷款、理财产品等新盈利业务的培养。根据泗阳农村商业银行当前所面临的内外环境,本文提出了相应的对策建议,以期促进泗阳农村商业银行在激烈的新市场环境中能平稳、快速地发展。
[Abstract]:The rural commercial banks, which were born with the reform of our financial system, have become an important part of our banking industry. The rural commercial banks play an extremely important and irreplaceable role in supporting the local economic construction and the development of various kinds of small and medium-sized enterprises, especially the three rural services. There are more and more fierce competition in the industry, and more and more banks pay attention to the financial field in the county and rural areas. The formulation and implementation of the financial operation strategy have an important impact on the performance of the rural commercial banks. Therefore, all the rural commercial banks in Siyang rural commercial banks need to choose the new situation in the new situation. Jiangsu Siyang rural commercial bank, approved by the China Banking Regulatory Commission, is a joint stock banking financial institution established by the domestic natural and non financial institutions, which has been developed on the basis of the original rural cooperative bank. Since the establishment and operation of the bank for more than a year, it has been established. In order to promote the development of the local economy, the market position and brand image have been improved obviously. The new banking operation mode will have great success in the whole county and even the agricultural credit system. The social image of the Rural Commercial Bank of Siyang has been promoted rapidly, the business has developed rapidly, the management system is gradually perfected and the ability to resist risk. But in recent years, the economy of Siyang county has developed rapidly and the trend of economic rise is very obvious. With the development of the economy and the expansion of the demand for the financial market, and the financial industry is facing the objective reality of the overall opening up, many banks, including the foreign banks, have focused their attention on the county and rural financial fields, and various financial institutions have begun to begin. In such a fierce competition environment, how to overcome the difficulties faced by Siyang rural commercial banks in Siyang has been imminent. It is an important task for the Commercial Bank of Si Yangnong village to formulate a financial operation strategy suitable for the development of the rural commercial banks in Siyang. First, a theoretical review of financial strategy research is made, including the main body and research results of financial strategy, the analysis method of financial strategy and the theory of asset liability management, the supporting role of information asymmetry theory and modern portfolio theory in the financial strategy research. Then the present situation of the development of rural commercial banks in Siyang is carried out. This paper summarizes and uses the Boston matrix model and the factor analysis method to make a comprehensive analysis of the rural commercial banks in Siyang, and obtains the basic positioning of its financial operation strategy. This article holds that, under the premise of strict control of the risk, the rural commercial banks in Siyang should focus on developing the advantage products such as farmers' loans and enterprise loans to gain profits and improve their profits. Science and technology service technology and level, improve the development of online banking and electronic banking business, and pay attention to the cultivation of new profit business such as mortgage loans and financial products. According to the current and internal and external environment of Siyang rural commercial banks, this paper puts forward corresponding countermeasures and suggestions in order to promote the rural commercial banks in Siyang in the fierce new market. In the field environment, it can develop smoothly and quickly.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35;F830.42

【相似文献】