我国村镇银行发展问题研究论文.doc

本科生毕业论文 我国村镇银行发展问题研究 （答辩稿） 姓　　名 学　　号 专　　业 指导教师  摘　要 农村金融一直是中国金融体系中比较薄弱的环节。自2004年以来,连续七年出台的中央一号文件都对农村金融问题给予了高度关注。目前，农村合作金融机构改革发展各项工作正在深入推进，努力打造服务三农内控严密、特色鲜明的社区性农村银行业金融机构。通过进一步深化改革和改进服务，农村合作金融机构在促进农业和农村经济又好又快发展中更好地发挥金融支农主力军作用。关键词：  Abstract Rural finance is the weak link in Chinas financial system all the time. Since 2004, the first document of the central has given great attention to the problems of rural finance for seven years. At present, the reform and development of rural cooperative financial institutions is going further, to create service the three rural, strict internal controls, distinctive characteristics of community-banking financial institutions in rural areas. Through further reform and improve the service, rural cooperative financial institutions will play a key role in promoting agriculture and rural economy, nice and fast developing .The emergence of rural banks, is a innovation for rural finance operation mode and get remarkable results in support for the agriculture and financial. The fast loans, short credit decision-making chain, flexible operation mechanisms, make the supply of rural finance rich, to provide financial support for the rural economy, and achieve the goal of serving to the rural and agricultural development basically. However, rural banks also exposed some problems during operation, such as inadequate services for agriculture, there is a conflict in management methods and concepts, financial innovation needs to be improved. As small commercial banks, subsequent development capacity will be affected if the problem can not be solved reasonable, and become a bottleneck to sustainable development of rural banks .Against these problems, in order to improve the management of rural banks further, rural banks should improve the operating environment, increase financial support for fiscal policies, innovative rural financial products and reduce operational risks. Our rural banks and financial regulators only to strengthen the mana