我國(guó)村鎮(zhèn)銀行發(fā)展問題淺析

目       錄

內(nèi)容提要···········································2一、當(dāng)前農(nóng)村金融現(xiàn)狀······································3

（一）農(nóng)村金融組織單一化、業(yè)務(wù)商業(yè)化，造成金融服務(wù)不到位，支農(nóng)供給減少···············································3

（二）小額農(nóng)業(yè)貸款存在問題·······························4

（三）農(nóng)村金融生態(tài)環(huán)境的不完善····························4

二、發(fā)展村鎮(zhèn)銀行的意義·······························5

（一）我國(guó)村鎮(zhèn)銀行的發(fā)展現(xiàn)狀 ····························6

（二）村鎮(zhèn)銀行基本特征···································7

（三）村鎮(zhèn)銀行的競(jìng)爭(zhēng)優(yōu)勢(shì)··································7

（四）對(duì)發(fā)展農(nóng)村金融的促進(jìn)作用·····························8

三、約束村鎮(zhèn)銀行進(jìn)一步發(fā)展的因素·························9

四、對(duì)我國(guó)村鎮(zhèn)銀行發(fā)展的幾點(diǎn)建議························10

（一）政府應(yīng)出臺(tái)促進(jìn)村鎮(zhèn)銀行發(fā)展的配套政策···············10

（二）政府在村鎮(zhèn)銀行建設(shè)中應(yīng)扮演監(jiān)管人、信用擔(dān)保人、出資人等重要角色···········································11

（三）村鎮(zhèn)銀行要?jiǎng)?chuàng)新農(nóng)村金融產(chǎn)品，擴(kuò)大農(nóng)村金融服務(wù)對(duì)象····12

（四）村鎮(zhèn)銀行要加強(qiáng)自身建設(shè)，做好風(fēng)險(xiǎn)控制，逐步建立良好信譽(yù)·············································13

五、結(jié)束語··············································13

參考文獻(xiàn)···············································14

內(nèi) 容 摘 要

隨著我國(guó)新農(nóng)村建設(shè)的進(jìn)一步推進(jìn)，農(nóng)戶收入增加、農(nóng)民生活改善，農(nóng)村經(jīng)濟(jì)更加活躍，對(duì)農(nóng)村金融的供給提出了更高的要求。第一家村鎮(zhèn)銀行于3月1日在四川儀隴縣開業(yè)試點(diǎn)，標(biāo)志著我國(guó)農(nóng)村金融服務(wù)體系中又增添了一支新的力量，有效地補(bǔ)充了農(nóng)村金融市場(chǎng)的不足，一個(gè)種類多樣、治理更靈活的新型農(nóng)村金融服務(wù)體系正在逐步建立。本文結(jié)合農(nóng)村地區(qū)金融業(yè)發(fā)展現(xiàn)狀，分析了我國(guó)發(fā)展村鎮(zhèn)銀行的意義和制約因素，對(duì)村鎮(zhèn)銀行的發(fā)展提出了幾點(diǎn)建議，首先政府要在村鎮(zhèn)銀行的發(fā)展中站對(duì)位子，出臺(tái)相應(yīng)政策進(jìn)行扶持；其次村鎮(zhèn)銀行自身更要練好內(nèi)功，創(chuàng)新金融產(chǎn)品，建立信譽(yù)，更好地服務(wù)農(nóng)村金融。

關(guān)鍵詞：村鎮(zhèn)銀行 農(nóng)村金融服務(wù) 新農(nóng)村