X村镇银行发展现状调查报告-金融学专业论文.docxVIP

I I X 村镇银行发展现状调查研究 摘 要 随着我国经济的不断增长，农村经济发展水平显著提高，我国农村地区所面临的金 融需求得不到满足、经济发展缺乏相应的金融支持。在这种背景下，我国银监会于 2006 年颁布了《关于调整放款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》，确定了村镇银行这种新型金融机构从此存在于我国农村金融机构之中。 2007 年我国银监会又出台各项规定，随着村镇银行试点范围的扩大，一时间村镇银行如 雨后春笋般出现在我国广大的农村金融市场上，X 村镇银行就是其中一员。 自成立以来，X 村镇银行严格履行银监会颁布的各项有关规定，积极开展各项业务， 立足服务当地“三农”和小微企业，在发展中取得了一定的成绩，然而，发展中出现的 问题更是不容忽视。村镇银行作为一种新型农村金融机构，在规模扩张的背后不乏各种 问题，这些问题不仅是 X 村镇银行在发展中存在的问题，也是我国其他村镇银行在发展 中都有可能遇到的问题。 笔者通过前往安徽省安庆市宿松县孚玉镇进行实地调查，获得了 X 村镇银行自开业 以来业务发展的相关经营数据，通过走访当地金融办、人民银行，与该行高层领导和内 部员工进行探讨，了解了该银行在发展过程中实际面临的一系列问题，本文通过对该行 业务数据的分析，肯定了该行自成立以来在当地农村金融市场上的发展确实取得的一些 成绩，另一方面，笔者将该行在发展过程中出现的相关问题进行分析整合，分别从外部 环境问题和内部发展问题两个方面进行了归纳阐述，并针对该行这两个方面的问题提出 了相应的解决措施，同时也希望本文能够为即将成立或刚刚发展的其他村镇银行提供一 些参考建议。 关键词：X 村镇银行；发展现状；业务；支农 II II THE REPORT ON THE SURVEY OF X VILLAGE BANK DEVELOPMENT CURRENT SITUATION ARSTRACT With our country economy continues to grow, the level of rural economic development have improved, Chinas rural areas facing the financial needs are not being met, lack of financial support for economic development. In this situation, China banking regulatory commission (CBRC) issued the resolution about adjustment lending on banking financial institutions in rural areas , to support the construction of new countryside , determine the village banks presence as the new rural financial institutions in China. After that, China banking regulatory commission issued many regulations again during 2007, expanding the range of village Banks in our rural countryside. As a result, village banks have sprung up in Chinas vast rural financial market, X village bank is one of them. Since the establishment, X village bank always fulfilled the related regulations of CBRC conscientiously, and based on the claim of help the farmer and tiny enterprises. However, some problems have appeared with the development of X village bank. In order to get the information about the development of the X village bank, I went to Su Song county, An Qing city, An hui province. During the investigatio