我國村鎮(zhèn)銀行發(fā)展的問題及對策

目錄······························································1

內(nèi)容摘要··························································1

村鎮(zhèn)銀行概念及背景··········································2

村鎮(zhèn)銀行的概念··············································2

村鎮(zhèn)銀行成立的背景··········································2

我國村鎮(zhèn)銀行經(jīng)營現(xiàn)狀... .. .. .. .. .. .. .. .. .. .. .. .. .3~4

村鎮(zhèn)銀行發(fā)展遇到的問題·········································5

村鎮(zhèn)銀行吸收存款能力不足

（二）風(fēng)險控制困難

A、經(jīng)營風(fēng)險

B、市場風(fēng)險

C、信用風(fēng)險

D、操作風(fēng)險

E、競爭風(fēng)險

（三）村鎮(zhèn)銀行可持續(xù)發(fā)展與服務(wù)“三農(nóng)”的兩難，·························································5

外部競爭壓力大···············································6

四、針對于我國村鎮(zhèn)銀行發(fā)展的問題對策··························7~9

拓寬籌資渠道·········································7

提高村鎮(zhèn)銀行在當(dāng)?shù)氐闹�名度和信任度··················�?

加強(qiáng)風(fēng)險控制·········································8

加強(qiáng)金融產(chǎn)品的創(chuàng)新···································9

內(nèi) 容 摘 要

長期以來 ,我國農(nóng)村金融的主要問題在于農(nóng)戶和農(nóng)村中小企業(yè)的巨大金融需求得不到滿足。為了破解農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)網(wǎng)點覆蓋率低、 金融供給不足、 競爭不充分等難題 , 從 2006年年底開始 ,銀監(jiān)會開始陸續(xù)頒布關(guān)于村鎮(zhèn)銀行的設(shè)立、監(jiān)管和業(yè)務(wù)開展方面的指導(dǎo)意見和暫行規(guī)定 , 鼓勵新型農(nóng)村金融機(jī)構(gòu)的發(fā)展。銀監(jiān)會相繼出臺了《關(guān)于調(diào)整放寬農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)準(zhǔn)入政策更好支持社會主義新農(nóng)村建設(shè)的若干意見 》、 《村鎮(zhèn)銀行管理暫行規(guī)定 》等一系列規(guī)定和意見。金融監(jiān)管當(dāng)局希望通過成立村鎮(zhèn)銀行促進(jìn)農(nóng)村金融競爭 ,改善金融服務(wù)。允許設(shè)立村鎮(zhèn)銀行 ,是切實提高農(nóng)村金融服務(wù)的具體行動 ,是深化中國農(nóng)村金融機(jī)構(gòu)改革的一項創(chuàng)新之舉。村鎮(zhèn)銀行作為新興的農(nóng)村金融機(jī)構(gòu) , 現(xiàn)在還處于發(fā)展的初級階段 ,既面臨著發(fā)展機(jī)遇又面臨著各種挑戰(zhàn)。

關(guān)鍵詞：村鎮(zhèn)銀行   農(nóng)村金融   新農(nóng)村   金融創(chuàng)新