浙江省村镇银行发展现状及对研究毕业论文.doc

绍兴职业技术学院经济管理系 金融管理与实务专业毕业论文 浙江省村镇银行发展现状及对策研究 姓 名: 学 号: 094050326 指导教师: 日 期: 2012年4月30日 目 录 一、村镇银行的概念及发展历史....................................1 二、浙江村镇银行市场定位........................................1 （一）消费群定位.............................................1 （二）竞争地域定位...........................................2 （三）产品定位...............................................2 三、村镇银行发展中存在的问题....................................3 （一）股份制优势难以发挥.....................................3 （二）配套法规不健全.........................................3 （三）信用环境差且贷款风险难以控制...........................3 （四）业务类型有限且存款来源不足.............................4 四、村镇银行的发展对策..........................................4 （一）逐步完善法人治理结构...................................4 （二）加大政策扶持力度.......................................4 （三）完善各项监管制度.......................................5 （四）努力拓展资金来源.......................................5 （五）加强金融手段创新.......................................5 五、结语........................................................5 谢辞...........................................................7 参考文献.......................................................8 中文摘要 村镇银行就是指为当地农户或企业提供服务的银行机构。区别于银行的分支机构，村镇银行属机构。 Abstract Town is for local farmers bank to provide service or enterprise banking institutions. Different from the branches of the bank, the bank is an institutional level villages. Establish village is to solve the bank in existing rural banking financial institutions, low coverage insufficient competition, financial supply, financial services invalidation etc financial repression problem, better construction of rural financial ecological environment. But as a new thing, the study found that the villages in the establishment and development of the bank still has some new problems. This paper, from the villages in the existing problem of the bank, and propose to promote the development of the Banks villages a series of measures, hope to be in the commercial finance policy support how to play a role in the natur