试论我国村镇银行发展存在的问题及对策毕业论文.doc

试论我国村镇银行发展存在的问题及对策 【摘要】自中国银行业监督管理委员会公布《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》，放宽新型农村金融机构准入标准以来，新型的农村金融机构——村镇银行有了较好的发展空间。但由于起步晚，我国村镇银行的发展也仍然存在经营发展空间受限、吸储压力大、资金筹集难、风险控制难等诸多方面的问题，阻碍了村镇银行的发展。为此，本文提出了金融产品创新、金融服务的创新、加强自身建设、建立切实可行的风险控制体系等对策以解决我国村镇银行发展存在的一些问题，使其更健康快速的发展 【关键词】村镇银行、资金筹集、风险控制、金融服务 Discuss about the problems and countermeasures existing in the development of bourg bank in our country 【Abstract】:Since Chinese Banking Management Supervision Committee promulgated some opinions about adjustment and relaxing countryside area bank industry financial organ admittance policy better supporting socialism new rural construction, and which relax the new pattern rural finance organization admittance standard, the new pattern rural finance organization——bourg bank had good development space .But because the beginning is late , our country’s bourg bank development still exist lots of questions, such as management development space limited , the high pressure in attracting storage, difficulty in raising funds and controlling risk and so on, which are hindering its development. Therefore, this article come up with some countermeasures, such as the innovation of finance product and financial service, strengthening the self construction, establishing the practical and feasible risk control system and so forth to solve those problems existing in the development of our country’s bourg bank, so as to make it healthy and fast development. 【Keywords】: Bourg bank、Raise funds、Risk control、Financial service 目录 摘要…………………………………………………………………………………01 目录…………………………………………………………………………………02 引言…………………………………………………………………………03 研究背景……………………………………………………………………03 研究的意义与目的……………………………………………………………03 我国村镇银行的现状分析……………………………………………………03 我国村镇银行发展历程及现状………………………………………………04 我国村镇银行的特点及优势…………………………………………………………05 影响我国村镇银行的发展因素……………………………………………05 我国村镇银行发展中存在的问题……………………………………………07 业务发展的空间受到限制……………………………………………………07 吸储的压力大、资金筹集难…………………………………………………08 风险难以控制…………………………………………………………………08 各种配套优惠政策尚不明确………………………………………