我国村镇银行发展问题浅析

目       录

内容提要···········································2一、当前农村金融现状······································3

（一）农村金融组织单一化、业务商业化，造成金融服务不到位，支农供给减少···············································3

（二）小额农业贷款存在问题·······························4

（三）农村金融生态环境的不完善····························4

二、发展村镇银行的意义·······························5

（一）我国村镇银行的发展现状 ····························6

（二）村镇银行基本特征···································7

（三）村镇银行的竞争优势··································7

（四）对发展农村金融的促进作用·····························8

三、约束村镇银行进一步发展的因素·························9

四、对我国村镇银行发展的几点建议························10

（一）政府应出台促进村镇银行发展的配套政策···············10

（二）政府在村镇银行建设中应扮演监管人、信用担保人、出资人等重要角色···········································11

（三）村镇银行要创新农村金融产品，扩大农村金融服务对象····12

（四）村镇银行要加强自身建设，做好风险控制，逐步建立良好信誉·············································13

五、结束语··············································13

参考文献···············································14

内 容 摘 要

随着我国新农村建设的进一步推进，农户收入增加、农民生活改善，农村经济更加活跃，对农村金融的供给提出了更高的要求。第一家村镇银行于3月1日在四川仪陇县开业试点，标志着我国农村金融服务体系中又增添了一支新的力量，有效地补充了农村金融市场的不足，一个种类多样、治理更灵活的新型农村金融服务体系正在逐步建立。本文结合农村地区金融业发展现状，分析了我国发展村镇银行的意义和制约因素，对村镇银行的发展提出了几点建议，首先政府要在村镇银行的发展中站对位子，出台相应政策进行扶持；其次村镇银行自身更要练好内功，创新金融产品，建立信誉，更好地服务农村金融。

关键词：村镇银行 农村金融服务 新农村