我国村镇银行发展现状、问题及对策研究毕业论文.doc

（ 200 毕业论文 题 目： 信 明 论文(设计)作者签名： 签名日期： 年 月 日 授 权 声 明 签名日期： 年 月 日  摘 要 村镇银行作为新型银行业金融机构，拥有机制灵活、依托现有银行金融机构等优势，解决我国现有农村地区银行业金融机构覆盖率低、竞争不充分、金融供给不足、金融服务缺位等问题， 但关键词：村镇银行农村金融体系ABSTRACT The rural bank as a new banking financial institutions has flexible mechanism, relying on existing banking financial institutions and other advantages.It helps to solve our existing rural financial institutions in the banking industry coverage, low insufficient competition, financial supply, financial services invalidation etc problems, and promote the formation of a new type of rural financial system.And improving the rural financial services to help rural regional economic development. But rural banks have many problems about equity structure unreasonable , the narrow of financing channel , market positioning offset,weak policy support,high risk of management and others.We should solve these problems to promote its development. Therefore, this article first analyzes the present situation of the development of rural banks, then further analyzes the development of rural banks problems and causes, finally puts forward some problems villages developing countermeasures and Suggestions for the rural banks. Key words: rural bank, rural financial system ,rural economic 目 录 摘要………………………………………………………………………………………Ⅰ Abstract…………………………………………………………………………………Ⅱ ………………………………………………………………………………………1 一、…………………………………………………………1 （一）……………………………………………………………1 （二）………………………………………………2 （三）村镇银行存贷业务逐步增加…………………………………………………3 二、……………………………………4 （一）……………………………………………………4 （二）……………………………………………………4 （三）村镇银行筹资困难……………………………………………………………5 （四）村镇银行市场定位偏移………………………………………………………5 （五）村镇银行面临的风险大………………………………………………………6 三、 我国村镇银行发展的对策建议………………………………………………7 （一）逐步完善结构（二）加大政策扶持力度（）…………………………………………………………………8 （四）明确市场定位…………………………………………………………………9 （五）完善风险管理……………………………………………………………… 11 参考文献…………………………………………………………………………………13 致谢………………………………………………………………………………………15 引 言 村镇银行是指经中国银行业监督管理委员会依据有关法律、法规批准，由境内外金融机构、境内非金融机构企业法人、