A 村镇银行发展中存在的问题与对策 PROBLEMS AND COUNTERMEASURES IN THE DEVELOPMENT OF A VILLAGE BANK目 录摘要...................................................................................................................................1关键词...............................................................................................................................1一、A 村镇银行发展现状分析.......................................................................................2(一)村镇银行小额信贷业务模式...............................................................................21.多企业联保,使贷款风险降到最低.........................................................................22.新农业贷款融资担保,使经营较好且发展较有潜力企业资金无忧.....................23.质押担保,使风险发生之时经济联社损失降到最低.............................................24.担保公司为企业提供担保,使小微企业申请贷款更加便捷.................................2(二)村镇银行小额信贷余额及去向...........................................................................3(三)村镇银行小额信贷业务发展的积极影响...........................................................51.完善了农村地区的金融体系.....................................................................................52.缓解小微企业贷款难的问题.....................................................................................53.缓解农户贷款难的问题.............................................................................................54.带动当地民营资本支持“三农”.............................................................................6二、A 村镇银行发展中存在的问题...............................................................................5(一)开始出现“脱农”倾向.......................................................................................6(二)缺乏稳定的融资渠道...........................................................................................6(三)业务风险增加...