浙江省内农村合作银行个人理财业务发展分析.docVIP

PAGE 1 本科生学年论文（设计） （2007级） 论文（设计）题目 浙江省内农村合作银行个人理财业务发展分析 作 者 叶 雯 系、 专业 经济管理系 经济学 班 级 经济学 073班 指导教师（职称） 郑秀田 （助教） 论 文 字 数 6569字 论文完成时间 2009年10月15日 杭州师范大学钱江学院教学部制 浙江省内农村合作银行个人 理财业务发展分析 经济学专业073班 叶雯 指导老师 郑秀田 摘 要：长期以来，我国农村合作银行理财市场未能得到国内银行机构的青睐，农村合作银行理财环境也不尽完善。但随着我国农村经济的发展和社会主义新农村建设战略的实施，农民的经济收入不断提高，农村合作银行理财市场正在形成，而且潜力巨大，将成为未来国内金融业发展的一个新增长点。浙江省作为我国经济最发达的省份之一，如何科学合理地利用其环境优势拓展农民理财渠道，培养农民银行理财意识，更有效地发展浙江农村合作银行的理财业务是我们面临的现实课题。本文试从分析我国农村银行理财的现状着手，剖析浙江省农村金融发展的背景，通过对浙江农村合作银行理财业务的SWOT分析，给出了相应的建议。 关键词：农村合作银行；个人理财业务；发展 Development Analysis on Personal Financial Services of Rural Cooperative Banks in Zhejiang Province Class073 economics YeWen Instructor: ZhengXiuTian Abstract: For a long time, Chinas rural cooperative bank financial market isn’t in favor of domestic banking institutions, rural cooperative bank financing environment is not perfect. However, with the development of rural economy going on and the strategy of socialist construction in new rural area carrying out, farmers’ income constantly improved. The financial market of rural cooperative bank is taking form, which has tremendous potential and will become a new growing point in the development of the domestic financial industry in the future. Zhejiang, one of the most economically developed province in china, is facing the problem of how to extend the approach of farmers’ financial by using its surrounding superiority scientifically and reasonably, and how to foster farmers’ awareness on financial and how to more effectively develop financial business of rural cooperative banks. This article is trying analysing the current situation of china’s rural bank finance the background of development of Zhejiang rural financial industry to give some suggestions