村鎮(zhèn)銀行適度監(jiān)管研究.pdf

1、 分 類 號：F832.35 密 級： 碩 士 學(xué) 位 論 文 村鎮(zhèn)銀行適度監(jiān)管研究 陳 欣 欣 第 一 指 導(dǎo) 教 師 ： 第 一 指 導(dǎo) 教 師 ： 程 昆 教授 第 二 指 導(dǎo) 教 師 ： 第 二 指 導(dǎo) 教 師 ： 余秀江 教授 學(xué) 院 名 學(xué) 院 名 稱： 經(jīng)濟管理學(xué)院 專 業(yè) 學(xué) 位 類 別 ： 專 業(yè) 學(xué) 位 類 別 ： 農(nóng)業(yè)推廣碩士 領(lǐng) 域 ： 域 ： 農(nóng)村與區(qū)域發(fā)展 答辯委員會主席： 答辯委

2、員會主席： 黃 劍 教授 中國· 廣州 2016 年 6 月 II Moderate Supervision of Rural Banks Chen Xinxin （College of Economics & Management, South China Agricultural University, Guangzhou, 510642, China） Abstract：As a new type of ru

3、ral small and medium financial institutions, rural banks have a certain degree of particularity. The supervision of rural banks is different from general commercial banks, they have a lot to improve. Moderate supervision

4、 is the goal, and it’s the key to coordinate sustainable development and supervision of rural banks. This article takes the rural banks of Guangdong province especially in Heyuan municipal as the research object, and stu

5、dies on the moderate supervision of rural banks. In addition, the paper not only analyzes the rural bank supervision mode and current situation, but also learns effectiveness and lack of supervision of rural banks to mak

6、e suggestions. This paper is divided into six chapters: After the introduction, the second chapter about theoretical research defines the concept of village banks and shows the ideas and principles of rural bank supervis

7、ion. The third to fifth chapter about empirical research not only summarizes existing rural bank supervision modes and measures, but also analyzes the current situation and uncovers the deficiencies and reasons so that t

8、o explain the importance and necessity of appropriate regulation. The sixth chapter is the conclusion of the study, policy recommendations and further issues to be discussed. The main conclusions are: (1)Rural Bank Super

9、vision is a process of continuous exploration the same as many other things. There is no omnipotent and constant supervision mode at home and abroad, supervision inevitably has a flaw. In addition, different economic and

10、 financial environment means different regulatory requirements of the banking industry at different times, regulators need to advance with the times, constantly optimize the regulatory ways. Meanwhile, regulatory effecti

11、veness can’t be reflected immediately after the implementation of regulatory measures, but need to go through a period of time to test because banking regulation has a certain lag as many other evaluation system. (2)Too

12、much regulation and too lax regulation are unreasonable. However, due to multiple reasons, rural banks will inevitably exist too much regulation and lax regulation, sometimes the situation is local. Current regulatory ap