学校代码：10378 密级：
分类号：
硕士学位论文
湖商村镇银行信贷模式优化研究
学 号：3202000964
学生姓名： 张迪
学位类别： 管理学硕士
专业名称： 工商管理
研究方向： 金融投资与管理
导师姓名： 任森春
二○二三年一月School code ：10378 Security：
Classification：
Researchon the Optimization of Credit
Mode of HushangRural Banks
Student ID：3202000964
Name：Zhang Di
Degree category： Masters in Business and Management
The professional name：Business Administration
Research direction ：Financial investment and management
Tutor’s name：Ren Senchun
January, 2023学 位 论 文 独 创 性 声 明
本人郑重声明：本人所呈交的学位论文，是在导师的指导下，独立进行研究所取
得的成果。除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表
或撰写的作品，也不包含为获得安徽财经大学或其他教育机构的学位或证书所使用过
的材料。对本文的研究做出重要贡献的个人和集体，均已在文中标明并表示了谢意。
本声明的法律后果由本人承担。
论文作者（签名）：2023 年 1 月 03 日
学 位 论 文 使 用 授 权 书
本论文作者完全了解学校关于保存、使用学位论文的管理办法及规定，即学校有
权保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和借
阅。本人授权安徽财经大学可以将本学位论文的全部或部分内容编入学校有关数据库
和授权学校研究生处与中国知网和万方数据签订收录协议及收录并由作者本人享有、
承担相应的权利和义务，也可以采用影印、缩印或扫描等复制手段保存或汇编本学位
论文。
注：保密学位论文，在解密后适用于本授权书。
作者签名：2023 年 1 月 03 日 湖商村镇银行信贷模式优化研究
摘要
作为服务“三农”发展的金融力量，湖商村镇银行始终牢记“为三农服务”的初
心，以助推乡村经济发展为己任，在提高农村金融供给、优化农村金融产品创新、完
善农村金融服务等方面起到了重要的作用。随着乡村振兴战略的推进，金融服务乡村
振兴的阶段性目标被明确提出，湖商村镇银行的发展面临着更高质量的要求，虽然湖
商村镇银行现有的信贷模式比较全面，但是仍难以满足当前农村市场多元化的融资需
求，这就对信贷模式的优化提出了一定的要求。信贷模式的优化与其是否能够更好的
服务三农有密切的关系，因此湖商村镇银行信贷模式的优化探讨是必要的。
本文在理论分析的基础上，首先对村镇银行主要信贷模式做了比较及分析，进一
步引出湖商村镇银行的主要信贷模式，并对湖商村镇银行信贷模式的现状进行了分
析，本文主要使用问卷调查法，选取湖商村镇银行的授信客户和客户经理作为主要的
调研对象进行了问卷调查，通过对银行信贷模式的相关财务指标以及问卷调查的数据
结论进行分析，从而发现湖商村镇银行信贷模式存在的问题，进而制定优化措施。研
究表明目前湖商村镇银行信贷模式存在着贷款结构不合理、用信率低、抵押物范围需
要优化等问题，进一步研究发现导致问题的原因主要是贷款成本高、信贷管理体系不
完善、风险管理制度有待改进、金融知识普及率低四个方面，最后根据问题提出优化
措施，从“加大财政政策扶持，降低贷款利率”、“丰富贷款期限，提高中长期贷款
占比”、“完善授信+用信的营销闭环体系，提高用信率”、“创新押品范围，降低
融资难度”、“加大宣传力度，提升金融知识普及率”五个方面提出建议，以满足其
信贷模式助力乡村振兴的需求。
关键词：村镇银行；信贷模式；乡村振兴
1 湖商村镇银行信贷模式优化研究
ABSTRACT
As a financial force serving the development of "agriculture、rural areas and farmers"，
Hushang Rural Banks have always kept in mind the original intention of "serving
agriculture 、 rural areas and farmers ", taking it as responsibility to promote the
development of rural economy, and playing an important role in improving rural financial
supply, optimizing the innovation of rural financial products, and improving rural financial
services. With the advancement of the rural revitalization strategy, the phased goal of
financial services for rural revitalization has been clearly put forward, and the development
of Hushang Rural Banks is facing higher quality requirements. Although the existing credit
model of Hushang Rural Banks is relatively comprehensive, it is still difficult to meet the
diversified financing needs of the current rural market. This puts forward certain
requirements for the optimization of the credit model. The optimization of the credit model
is closely related to whether it can better "serving agriculture, rural areas and farmers".
Therefore, it is necessary to discuss the optimization of the credit model of Hushang Rural
Banks.
On the basis of theoretical analysis, this paper firstly comparing and analyzing village
banks and their main credit models, and further draws out the main credit models of
Hushang Rural Banks. And analyzed the current situation of the credit mode of Hushang
Rural Banks, Further research found that the main reasons for the problem are high loan
costs, imperfect credit management system, risk management system needs to be improved,
and low financial knowledge penetration rate. Using the questionnaire survey method,
Select the credit customers and account managers of Hushang Rural Banks as the main
research objects to conduct a questionnaire survey. Through the analysis of the relevant
financial indicators of the bank credit model and the data conclusion of the questionnaire
survey, Then formulate optimization measures. The research shows that the current credit
model of Hushang Rural Banks have problems such as unreasonable loan structure, low
credit rate, and the need to optimize the scope of collateral. Then through research, it is
found that the main causes of the problems are high loan cost, imperfect credit
management system, risk management system to be improved, and low penetration rate of
financial knowledge. Finally, according to the problem, optimization measures are
proposed, and suggestions are made from five aspects: "increasing fiscal policy support
and reducing loan interest rates", "enriching loan terms and increasing the proportion of
1I