文档介绍：摘要
村镇银行作为新型银行业金融机构,拥有机制灵活、依托现有银行金融机构等优势,有利于解决我国现有农村地区银行业金融机构覆盖率低、竞争不充分、金融供给不足、金融服务缺位等问题,促进新型农村金融体系的形成,改善农村金融服务,帮助农村地区经济发展。
但村镇银行在建立及发展中存在股本结构不合理,政策扶持力度弱,筹资渠道窄,市场定位易偏移,风险管理不完善等问题,需要加以改善,以促进其健康发展。为此,本文首先分析了村镇银行发展的现状,在此基础上进一步分析了村镇银行发展中的问题及原因,最后提出了村镇银行发展问题对策与建议。
关键词:村镇银行,农村金融体系,农村经济
ABSTRACT
The rural bank as a new banking financial institutions has flexible mechanism, relying on existing banking financial institutions and other helps to solve our existing rural financial institutions in the banking industry coverage, low petition, financial supply, financial services invalidation etc problems, and promote the formation of a new type of rural financial improving the rural financial services to help rural regional economic development.
But rural banks have many problems about equity structure unreasonable , the narrow of financing channel , market positioning offset,weak policy support,high risk of management and should solve these problems to promote its development. Therefore, this article first analyzes the present situation of the development of rural banks, then further analyzes the development of rural banks problems and causes, finally puts forward some problems villages developing countermeasures and Suggestions for the rural banks.
Key words: rural bank, rural financial system ,rural economic
目录
摘要………………………………………………………………………………………Ⅰ
Abstract…………………………………………………………………………………Ⅱ
引言………………………………………………………………………………………1
一、我国村镇银行发展的现状…………………………………………………………1
(一)村镇银行发展迅速……………………………………………………………1
(二)村镇银行发起人范围逐步扩大………………………………………………2
(三)村镇银行存贷业务逐步增加…………………………………………………3
二、目前我国村镇银行在发展中存在的问题及原因……………………………………4
(一)村镇银行股本结构不合理……………………………………………………4
(二)村镇银行政策扶持力度弱……………………………………………………4
(三)村镇银行筹资困难……………………………………………………………5
(四)村镇银行市场定位偏移………………………………………………………5
(五)村镇银行面临的风险大………………………………………………………6
三、我国村镇银行发展的对策建议……………………………………………………7
(一)逐步完善股本结构……………………………………………………………7
(二)加大政策扶持力度…………………………………………………………8
(三)拓展筹资渠道……………………………………………………