贵州村镇银行发展的问题及对策.docxVIP

摘要：“三农”问题自上个世纪90年代中期被提出后，逐渐受到国家与人民的关注，尤其当前我国“三农问题”十分突出。同时我国城镇化发展加快，全国各个区域的农村与线城地区迎来大量优质的发展机会。然而我国大部分村镇地区金融体系发展不健全，金融环境不完善，缺少融资渠道等问题，导致经济发展困难。但是，村镇银行作为一种规模较小的金融组织，吸储困难、业务开展缓慢、信用体系不完善、人员综合素养较低等问题阻碍了其在我国的业务推广。而贵州农村地区金融发展滞后、农村资金缺乏、金融服务缺位，迫切需要建立村镇银行以填补农村金融空白、改善农村金融服务、促进农村经济发展。因此，本文综合借鉴国内外村镇银行发展情况与经验，结合贵州省实际情况，总结村镇银行发展所面临的问题，提出相应对策，进一步改善农村、乡镇经济发展环境。

关键词：村镇银行；发展问题；农村金融

TheDevelopmentProblemsandCountermeasuresofGuizhouRuralBanks

Abstract:Sincetheissueofagriculture,ruralareasandfarmerswasproposedinthemid-1990s,graduallybytheattentionofthecountryandthepeople,especiallythecurrentChinaagriculture,ruralareasandfarmersisveryprominent.Atthesametime,Chinasurbanizationdevelopmentisaccelerating,andruralareasinallregionsusherinalargenumberofhigh-qualitydevelopmentopportunities.However,thedevelopmentofthefinancialsysteminmostvillagesandtownsinChinaisnotperfect,thefinancialenvironmentisnotperfect,thelackoffinancingchannelsandotherproblems,leadingtodifficultiesineconomicdevelopment.However,asasmallfinancialorganization,ruralbanksdifficultiesinpurchasingdeposits,slowbusinessdevelopment,imperfectcreditsystemandlowcomprehensivepersonnelliteracyhindertheirbusinesspromotioninChina.However,thefinancialdevelopmentofruralGuizhoulags,lackofruralfundsandfinancialserviceslack,itisurgenttoestablishruralbankstofillthegapofruralfinance,improveruralfinancialservicesandpromotethedevelopmentofruraleconomy.Therefore,thispapercomprehensivelydrawsonthedevelopmentsituationandexperienceofruralbanksathomeandabroad,combineswiththeactualsituationofGuizhouProvince,summarizestheproblemsfacedbythedevelopmentofruralbanks,andputsforwardcorrespondingcountermeasurestofurtherimprovetheeconomicdevelopmentenvironmentofruralareasandtowns.

Keywords:villagebanks;developmentproblems;ruralfinance