我国村镇银行发展的问题及对策

目录······························································1

内容摘要··························································1

村镇银行概念及背景··········································2

村镇银行的概念··············································2

村镇银行成立的背景··········································2

我国村镇银行经营现状... .. .. .. .. .. .. .. .. .. .. .. .. .3~4

村镇银行发展遇到的问题·········································5

村镇银行吸收存款能力不足

（二）风险控制困难

A、经营风险

B、市场风险

C、信用风险

D、操作风险

E、竞争风险

（三）村镇银行可持续发展与服务“三农”的两难，·························································5

外部竞争压力大···············································6

四、针对于我国村镇银行发展的问题对策··························7~9

拓宽筹资渠道·········································7

提高村镇银行在当地的知名度和信任度···················7

加强风险控制·········································8

加强金融产品的创新···································9

内 容 摘 要

长期以来 ,我国农村金融的主要问题在于农户和农村中小企业的巨大金融需求得不到满足。为了破解农村地区银行业金融机构网点覆盖率低、 金融供给不足、 竞争不充分等难题 , 从 2006年年底开始 ,银监会开始陆续颁布关于村镇银行的设立、监管和业务开展方面的指导意见和暂行规定 , 鼓励新型农村金融机构的发展。银监会相继出台了《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见 》、 《村镇银行管理暂行规定 》等一系列规定和意见。金融监管当局希望通过成立村镇银行促进农村金融竞争 ,改善金融服务。允许设立村镇银行 ,是切实提高农村金融服务的具体行动 ,是深化中国农村金融机构改革的一项创新之举。村镇银行作为新兴的农村金融机构 , 现在还处于发展的初级阶段 ,既面临着发展机遇又面临着各种挑战。

关键词：村镇银行   农村金融   新农村   金融创新