我国村镇银行发展问题研究本科毕业论文.doc

本科生毕业论文 我国村镇银行发展问题研究 （答辩稿） 姓　　名 学　　号 专　　业 指导教师  摘　要 农村金融一直是中国金融体系中比较薄弱的环节。自2004年以来,连续七年出台的中央一号文件都对农村金融问题给予了高度关注。目前，农村合作金融机构改革发展各项工作正在深入推进，努力打造服务三农、内控严密、特色鲜明的社区性农村银行业金融机构。通过进一步深化改革和改进服务，农村合作金融机构将在促进农业和农村经济又好又快发展中更好地发挥金融支农主力军作用。村镇银行的出现，是对农村金融贷款运行模式的创新，在为三农提供金融供给和资金支持方面成效显著。其发放贷款快、信贷决策链条短、经营机制灵活，丰富了农村金融供给，为农村经济提供了资金支持，基本达到了服务农村和农业发展的目的。然而，村镇银行在运行过程中同样也暴露出了一些问题，如对三农服务不足、经营方式与观念出现矛盾、金融创新有待提高等。作为小型的商业银行，如果问题得不到合理地解决，必然会影响其后续发展能力，成为制约村镇银行可持续发展的瓶颈。针对这些问题，为了进一步完善我国村镇银行的经营管理，应改善村镇银行的运行环境，加大金融财政政策的支持，创新农村金融产品和降低经营风险。我国的村镇银行和金融监管部门只有加强管理，多角度采取措施，才能促进村镇银行的可持续发展，从而繁荣农村经济，更好地服务三农。 关键词：农村金融；村镇银行；可持续发展  Abstract Rural finance is the weak link in China's financial system all the time. Since 2004, the first document of the central has given great attention to the problems of rural finance for seven years. At present, the reform and development of rural cooperative financial institutions is going further, to create service the three rural, strict internal controls, distinctive characteristics of community-banking financial institutions in rural areas. Through further reform and improve the service, rural cooperative financial institutions will play a key role in promoting agriculture and rural economy, nice and fast developing .The emergence of rural banks, is a innovation for rural finance operation mode and get remarkable results in support for the agriculture and financial. The fast loans, short credit decision-making chain, flexible operation mechanisms, make the supply of rural finance rich, to provide financial support for the rural economy, and achieve the goal of serving to the rural and agricultural development basically. However, rural banks also exposed some problems during operation, such as inadequate services for agriculture, there is a conflict in management methods and concepts, financial innovation needs to be improved. As small commercial banks, subsequent development capacity will be affected if the problem can not be solved reasonable, and become a bott