(完整版)农村商业银行转型升级路径研究毕业设计.pdfVIP

南京理工大学紫金学 毕 业 论 文 作 者: 施真 学 号： 系 ： 经济管理系 专 业: 金融学 题 目: 农村商业银行转型升级路径研究 指导者： 杜玉兰 教授 评阅者： 2011 年 04 月 毕 业 论 文 中 文 摘 要 1978年后，我国农村金融发展经历了三次政策转型，在经济发达地 区形成了以农商行为主的农村金融机构，有效促进了农业发展、农民增 收和农村建设。然而，农商行在产权制度、监管体制、经营目标、经营 机制等方面仍存在着制约其发展的矛盾。如何在现有体制下进一步促进 农商行转型升级，实现可持续发展是当前的一个重要课题。本文立足现 状，客观分析了农商行的优势，剖析了脱胎农村信用社带来的弊端，对 当前所面临的历史机遇，进行了逐一分析，运用实证研究的方法，研究 农商行在转型过程中遇到的问题，并借鉴产权经济和现代金融发展的相 关理论，提出解决农商行实现转型升级的发展路径。 关键词 改革 转型 农村金融 农村商业银行 毕 业 论 文 外 文 摘 要 Title Study on the Transformation and Upgrade of Rural Commercial banks Abstract After 1978, the Chinas rura finance has experienced three different policy transformations. In the economica y developed areas, the rural financial institutions, rural commercial bank mainly, has promoted the development of agriculture, increased sources of income for farmers and agricultura construction efficiently. However, the problems of property system, regulation system, and operation target and management mechanism sti restricted the development of rural commercial bank. It is a significant task to accelerate the transformation and upgrading so as to achieve sustainable development at present. This paper based on the recent conditions, analyses its superior forces, a drawback born out of the rura credit cooperatives and historica opportunities objectively. This text also uses the method of the empirica research, studies the issues in the process of transformation, referring to property economy as we as modern financia system, and then has proposed the method of the transformation and upgrading of rural commercial bank. Key Words Reform Transformation Rura Finance Rura