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1、我國(guó)村鎮(zhèn)銀行發(fā)展問(wèn)題研究loanapprovalandpostcreditapprovalofficer/atalllevelsinaccordancewithcreditapprovalrules,licensingandeventualexerciseofcreditdecisionpowerofpersonsorinstitutions.Reviewfindingsandreviewcomments,accordingtotheBank'scredit摘要“三農(nóng)”問(wèn)題一直是我國(guó)發(fā)展農(nóng)村經(jīng)濟(jì)需要解決的重大問(wèn)題，而解決“三農(nóng)”問(wèn)題資金是關(guān)鍵。村鎮(zhèn)銀行的成立對(duì)于增加資金供給，提
2、高農(nóng)村地區(qū)農(nóng)民的收入，推進(jìn)新農(nóng)村建設(shè)，加快我國(guó)農(nóng)村經(jīng)濟(jì)發(fā)展具有十分重要的意義。自2007年第一家村鎮(zhèn)銀行在四川建立以來(lái)，在加大西部地區(qū)農(nóng)村金融資金供給、增加農(nóng)民收入、提供貸款等方面發(fā)揮了一定的作用。但是村鎮(zhèn)銀行成立時(shí)間短，外部環(huán)境和內(nèi)部治理諸多方面都不完善。因此本文針對(duì)村鎮(zhèn)銀行發(fā)展遇到的一些問(wèn)題提出合理化建議，尋求適合不同地區(qū)經(jīng)濟(jì)發(fā)展的村鎮(zhèn)銀行發(fā)展經(jīng)營(yíng)模式。本文的論述從三大部分進(jìn)行：第一部分主要介紹我國(guó)村鎮(zhèn)銀行設(shè)立的背景和意義。第二部分介紹我國(guó)村鎮(zhèn)銀行的發(fā)展歷程、現(xiàn)狀和問(wèn)題。最后一部分根據(jù)我國(guó)目前村鎮(zhèn)銀行的現(xiàn)狀提出對(duì)策建議，包括十個(gè)方面，分別是：加大宣傳力度；提高風(fēng)險(xiǎn)敏感度，加
3、強(qiáng)風(fēng)險(xiǎn)管理；明確村鎮(zhèn)銀行的市場(chǎng)定位；降低門檻，擴(kuò)大融資渠道；創(chuàng)新金融產(chǎn)品，提供多樣化的金融服務(wù)；重視人才隊(duì)伍的建設(shè)；優(yōu)化經(jīng)營(yíng)管理機(jī)制，提高經(jīng)營(yíng)管理水平；打造健康的農(nóng)村信用體系；加大政策扶持力度和完善村鎮(zhèn)銀行的金融監(jiān)管工作。關(guān)鍵詞：村鎮(zhèn)銀行；信貸；農(nóng)村金融loanapprovalandpostcreditapprovalofficer/atalllevelsinaccordancewithcreditapprovalrules,licensingandeventualexerciseofcreditdecisionpowerofpersonsorinstitutions.Revi
4、ewfindingsandreviewcomments,accordingtotheBank'screditAbstractThekeypointofsolvingtheproblemof“Agriculture,CountrysideandFarmer”whichhasalwaysbeenavitalissueaffectingChina’sdevelopmentofruraleconomyiscapital.Theestablishmentofruralbankisofgreatimportancetoincreasefarmer’sincome,topushforward
5、theconstructionofNewSocialistCountrysideanddeveloptheruraleconomy.SincethefirstruralbankwassetupinSichuanin2007,ithasplayedaroleinincreasingthecapitalsupplyofthewesternruralarea,arisingfarmer’sincomeandprovidingloans.Buttherearemanyproblemsconcerningexternalenvironmentandinternalmanagementof
6、ruralbankwhichhasnotsetupforalongtime.Sothisthesisaimsattheproblemsthatruralbankscomeacrosstoprovidereasonablesuggestionsanddifferentdevelopmentmodefordifferentareas.Thearticleisdividedintothreeparts:thefirstpartmainlyintroducesthebackgroundandmeaningofconstructingruralbanksinChina.Thesecond
7、partindicatesthedevelopment,currentsituationandproblemsofruralbanksinChina.Thelastpartisbasedonthesituationofruralbankstoproposesomecorrespondingsuggestionsincluding10items,whichareenhancingpromotionpower;enlargingthewaystocollectcurrency;creatingm
