我国村镇银行发展的问题及对策研究

我国村镇银行发展的问题及对策研究(含选题审批表,任务书,开题报告,中期检查报告表,毕业论文11400字)
摘  要：村镇银行作为我国新一轮农村金融体制改革的产物，在推进新农村建设中发挥重要作用，已成为支持“三农”发展的重要力量。本文阐述了我国村镇银行发展的现状,对其存在问题的原因进行了分析,通过对比我国村镇银行与国外乡村银行，借鉴其发展的成功经验，提出了加大宣传力度、提高业务水平、加大政策支持力度、完善支农配套体系建设、加强信贷风险管理和完善股权结构等推进村镇银行可持续发展的策略建议。
关键词：村镇银行；农村金融；发展对策

Brief Study of the Problems and Countermeasures on the Development of China's Rural Banks
Abstract: As a product of China's new round of rural financial system reform, rural banks play an important role in the promotion of new rural construction and has become an important force in supporting the development of the "three rural".This paper has elaborated the development status of China's rural banks and has made an analysis on the main causes of the problems existing. Through comparing China's rural banks with foreign ones and by drawing on experience of successful development from foreign banks, the writer has proposed several strategies on promoting the sustainable development of China's rural banks, including strengthening propaganda, enhancing vocational level, increasing policy support, improving the construction of a matching system for supporting agriculture, increasing policy support, strengthening credit risk management and completing ownership structure.
Key words: Rural banks; Rural financial; Development strategy

目    录
摘要    1
关键词    1
一、我国村镇银行发展现状分析    2
（一）发展优势相对明显    2
（二）地区分布不均匀    2
（三）发起行多为中小银行，国有大型银行参与较少    3
（四）未实现全面盈利    3
二、我国村镇银行发展中存在的问题及原因    4
（一）社会认知度低，业务发展受制约    4
（二）业务发展水平有待提高    4
（三）政策扶持力度有待加强，支农配套体系不健全    5
（四）信用风险控制能力有待增强    6
（五）控股模式单一，导致各方利益主体动力不足    6
三、国外乡村银行成功运营的经验及启示    7
（一）美国社区银行和我国村镇银行的相似性和共同点    7
（二）国外乡村银行对我国村镇银行发展的借鉴意义    8
四、我国村镇银行经营与发展的具体对策    9
（一）加大宣传力度，提高社会认知度    9
（二）提高业务水平，解决筹资问题    9
（三）加大政策支持力度，完善支农配套体系建设    9
（四）加强信贷风险管理    10
（五）完善村镇银行的股权结构    10
五、结束语    11
参考文献    11
致谢    12