【作者】 张静；

【导师】 胡凯； 江民锦；

【作者基本信息】 江西农业大学 ， 农村与区域发展， 2012， 硕士

【摘要】 长期以来,我国农村普遍存在金融服务供给不足,农村资金外流、农村金融抑制等现象,甚至处于所谓的“金融真空”状态,严重阻碍了农村经济发展水平的提高。完善农村金融服务体系,提升农村地区有效金融支持,对于农村经济发展和农民收入增长都起着重要的促进作用。为贯彻落实中央推进社会主义新农村建设有关精神,银监会于2006年12月放宽了农村地区银行业金融机构的准入条件。伴随着农村金融改革的浪潮,村镇银行作为新型银行业金融机构的主要试点机构、以“服务三农”为口号迅速跻身于中国金融市场,并极大改善了我国农村金融市场供给不足、竞争不充分的局面。本文首先从发展历程、数量增长、发起机构、试点效果等方面对我国村镇银行发展现状进行了分析,并提出村镇银行存在市场定位偏离、业务开展困难、运营管理落后、金融监管不力等问题。然后运用SWOT分析法,对我国村镇银行发展的优势、劣势、机会、威胁以及四个战略组合进行了深刻分析。接着介绍了格莱珉银行等国外乡村银行的成功案例,并得出几点经验启示。最后,从市场定位、经营管理、金融监管、政策支持、人才培养等五个方面,提出促进我国村镇银行发展的对策建议。更多还原

【Abstract】 There exists generally insufficient supply of financial services, rural fund outflow, the rural financial repression and other phenomena, even in the "financial vacuum" condition in our country for a long time, which have seriously hindered the development of rural economy. Improving the rural financial service system and promoting effective financial support play an important role for rural economic development and farmer income growth.In order to implement central spirit for promoting the building of a new socialist countryside, the China Banking Regulatory Commission relaxed the conditions of access to the banking financial institutions in countryside in December2006. Accompanied by a wave of financial reform in countryside, rural banks as the new banking financial institutions were the main pilot agencies and quickly entered into the Chinese financial market with "rural" slogan. Rural banks greatly improved the supply of rural financial markets and inadequate competition.The article includes four important parts.Firstly, the development status of village banks were research including the course of development, increasing number, sponsoring agencies and pilot effects, and the problems of market positioning deviation, business development difficulties, backward operations management, ineffective financial supervision were put forward.Secondly, the superiority, weaknesses, opportunities, threats, and four strategic combination of the development of China’s rural banks were analyzed profoundly by the using of the SWOT analysis.Thirdly, the success cases of the Grameen bank and other foreign banks were introduced, and several experience were enlightened.Finally, the suggestions for promoting the development of China’s rural banks were put forward from the five aspects of market positioning, business management, financial regulatory, policy support, personnel training.更多还原