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论文编号：	9778
作者编号：	2120152854
上传时间：	2017/12/11 9:39:59
中文题目：	A 银行农村普惠金融发展策略研究
英文题目：	A bank rural Inclusive Finance Development Strategy Research
指导老师：	张耀伟
中文关键字：	普惠金融 农村 商业银行 价值链 价值咨询模型
英文关键字：	Inclusive Finance;Rural;Commercial Banks;Value chain; value consultation model
中文摘要：	摘要 普惠金融的概念最早由联合国在 2005 年的“小额信贷年会”宣传时所 出，其核心在于金融可得性，使每个人都能平等享受金融服务。在国务院于 2015 年底发布的《推进普惠金融发展规划(2016—2020 年)》中，详细介绍了普惠 金融在我国发展的总体思路。在经济新常态的大环境下，构建新常态普惠金融 体系不仅是政策导向，更是业界大势所趋。在农村地区发展普惠性金融体系， 更是我国普惠性金融体系建设的关键环节，也是实现和谐社会发展的重要基础。 本文以农村普惠金融为切入点，以 A 银行如何解决好欠发达县域、农村农 户、弱势群体的金融可得性问题及未来发展策略为研究主题。通过个案研究法 与逻辑推导两种主要的研究方法，将国有控股大型商业银行的 A 银行为研究对 象。分析其以服务三农、做强县域为战略目标，常年深耕普惠金融服务，在农 村普惠金融方面取得了一定的成绩，但也存在政策性重于商业性，缺乏充分市 场化可持续发展，缺乏内生性动力等问题。本文以目前 A 银行践行农村普惠金 融发展中存在的问题为出发点，以通过增加利润激发内生动力为目标，通过分 析问题存在的原因，价值链咨询模型确定产生价值的战略环节，最后总结归纳 普惠性农村金融体系发展的相关经验和启示，并探索 A 银行农村普惠金融现实 路径及发展策略。 在经济新常态的大趋势下，A 银行应该进一步加强普惠金融能力， 供面向 社会各类人群的平等有效的金融服务的能力，树立特色品牌，发展差异化的战 略目标，维持普惠金融业务的商业化和可持续性，构建的符合时代进步和农村 金融发展的治理结构和业务管理体系， 升核心竞争力，抓住全面建设小康社 会的机遇，在农村金融领域更有作为，同时实现商业模式上进行改变和演进， 实现金融普惠包容的目标。 关键字:普惠金融 农村 商业银行 价值链 价值咨询模型
英文摘要：	Abstract The concept of Inclusive Finance first by the United Nations in 2005 "the year of microcredit will promote the proposed, its core is the financial availability, so that everyone can enjoy equal financial services. In the "promoting inclusive financial development plan (2016 - 2020)" issued by the State Council at the end of 2015, the general idea of Inclusive Finance Development in China was introduced in detail. In the new normal environment of the economy, the construction of the new normal inclusive financial system is not only policy oriented, but also the industry trend. The development of inclusive financial system in rural areas is the key link of China's inclusive financial system construction, and also an important basis for the realization of harmonious society development. This paper takes rural Inclusive Finance as the breakthrough point, and how to solve the problem of financial availability and future development strategy of less developed counties, rural households and vulnerable groups by A bank. Through the two main research methods of case study and logical deduction, this paper takes A banks of state owned large commercial banks as the research object. The analysis to serve agriculture, strengthen county as a strategic goal, perennial roots of inclusive financial services, has made some achievements in the rural inclusive financial aspects, but there are also policy in the commercial market, the lack of sufficient sustainable development, lack of internal motivation and other issues. In this paper, the existing rural bank A the practice of inclusive financial development issues as the starting point, by increasing profits to stimulate endogenous power as the goal, determine the strategic link value generated by the value chain consulting model, analyzed the causes of the existing problems, finally summarizes the experience and Inspiration of the development of inductive inclusive rural financial system, and to explore the A bank rural inclusive finance practical path and development strategy. The trend in the new economic norm under the A bank should further strengthen inclusive financial ability, the ability to provide all kinds of people oriented social I I Abstract equality and effective financial services, establish the brand characteristics, development strategy of differentiation, maintenance of inclusive financial services business and sustainability, with the construction progress of the times and the development of rural finance the governance structure and business management system, enhance the core competitiveness, seize the opportunity of building a well-off society, as in more rural financial sector, while achieving the business model change and evolution, and achieve financial inclusion target inclusive. Key word:Inclusive Finance;Rural;Commercial Banks;Value chain; value consultation model
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