程媛-1121303102-福建省村镇银行发展研究.docVIP

福建省村镇银行发展研究 宜春学院 经济与管理学院 经济学专业 程媛 指导老师：蒋意春 摘要：村镇银行作为新型的农村金融机构，近年来一直是我国农村金融体系建设中一个重要的组织创新，针对农村金融空洞化的现实，作为农村金融变革的一个新产物。村镇银行具备现代公司的治理结构，并以服务“三农”为初衷，我国一部分农村地区金融服务面貌因为它的出现有了极大地改变，在一定程度上促进了各地区的经济发展。因此社会各界开始高度关注村镇银行的发展以及在发展过程中出现的问题，并针对该问题提出可持续发展的对策。由于村镇银行所处的金融环境较为脆弱，因此，在村镇银行的发展过程中首先就要做好风险防备和管制的工作准备,维持自身的平稳发展,通过与其他金融机构的协调、合作，来共同增进农村经济的发展。本文将以国内村镇银行的运行现状和运行机制来剖析村镇银行近几年发展中出现的问题，提出了一系列可持续发展的对策及其建议，通过对发展现状的介绍，指出了在发展过程中面临的问题。并结合当前我国村镇银行出现的问题,从政府的宏观角度和村镇银行的微观角度提出了一些针对福建省村镇银行发展的建议和对策,最后对福建省村镇银行的发展前景做了展望。希望本文中对村镇银行发展的建议和对策能够给中国广大村镇银行参考。 关键词：福建省；村镇银行；发展问题；对策建议 Abstract: As the new rural financial institutions of rural banks, in recent years has been an important organizational innovation in the construction of rural financial system in China, the rural financial hollowing out of reality, as a new product of rural financial reform. Village banks have the governance structure of the Modern Corporation, and to serve the three rural as the purpose, features a part of financial services in the rural area of our country because it has greatly changed, to a certain extent, promote the economic development in different regions. Therefore, the community began to pay close attention to development of rural banks as well as problems in the development process, and puts forward the Countermeasures of sustainable development in order to solve the problem. Because rural financial environment is fragile, therefore, in the process of the development of rural banks in the first to do the risk prevention and control work to prepare, maintain stable development of its own, through coordination, cooperation with other financial institutions, to promote economic development in rural areas. In this paper the status quo and the operation mechanism of domestic rural banks to analyze the emergence of rural banks in recent years in the development of the problem, put forward a series of countermeasures and suggestions of sustainable development, the current situation of the d