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...
