摘要：南通农村商业银行是由原来的南通农村信用联社改制而来，随着新一轮深化农村信用社改革，得益于国家政策的扶持和经济高速发展的带动作用，南通农商行实现了自身规模和效益的快速增长。但在发展中，南通农商行也遇到了相当大的阻力，出现了很多问题，比如：面对新型大型商业银行没有竞争优势，软硬件设施相对落后；贷款的风险管控做的不到位，导致很多坏账出现；业务范围大多是存贷款业务，中间业务和衍生业务较少，亟待创新；客户整体素质较低，不利于拓展业务，急需发掘有质量的潜在客户。这一系列的问题本文都会作出相应的对策进行解答，本文将通过对南通农商的可持续发展现状、南通农商行发展中存在的问题、南通农商行发展的对策三大方面来探讨对南通农商行可持续发展的研究。70328

毕业论文关键词：农村商业银行；可持续发展战略；南通

Research on Sustainable Development of Rural Commercial Banks in Nantong

Abstract：Nantong rural commercial bank is the original Nantong rural credit cooperatives by reforming  system. Thanks to the support of national policies and the effect of the rapid development of economy,  Nantong rural commercial bank achieve their own scale and rapid growth in the new round of deep reform of rural credit cooperatives. Nantong rural commercial bank also encounters considerable resistance and problems in the developing process. Such as: there is no competitive advantages with the new type of large commercial banks. The hardware and software facilities are relatively backward. Bad debts come into apperance cause the risk management and control of loans are not in place. The loan business is the main point, less of intermediate business and derivative business. The overall quality of customer is low which is not conducive to expanding business. High quality customers are urgent. This series of problems will be solved in this paper according to the corresponding countermeasures. The sustainable development advices of Nantong rural commercial bank will be made through the current development situation, problems and countermeasures of Nantong rural commercial bank.

Keywords: Rural Commercial Bank; strategy of sustainable development; Nantong 

目录

一、引言 1

（一）选题背景与意义 1

（二）文献综述 2

（三）相关理论 6

二、南通农村商业银行可持续发展现状 8

（一）南通农村商业银行发展历史 8

（二）南通农村商业银行发展现状 8

三、南通农村商业银行发展中存在的问题 12

（一）软硬件设施不齐全，没有竞争优势 12

（二）资金不足，限制发展 13

（三）客户质量不高，不利于拓展业务 13

（四）员工水平较低，缺乏人才 14

（五）主营传统业务，赶不上金融潮流 14

四、南通农村商业银行可持续发展的对策 15

（一）完善各项规章制度，做到不违规不违法 15

（二）抓准时机，向地区外发展 15

（三）建立健全风险识别和评估体系，降低风险 16