摘 要国家扶持村镇银行的原始目标是服务“三农”，满足农村和农业的融资需求，促进农村经济发展，为欠发达的农村地区注入资本，支持社会主义新农村建设。由于农民以及农村企业属于弱势群体，农业经济又存在风险高和效率偏低的天然属性，目前村镇银行的发展模式受自然和市场条件影响严重，在此种情况下村镇银行必须将资金转移到盈利更多的项目上通过调整资产结构使得自身能良性发展。但这势必导致农村弱势群体的资金需求无法满足，导致国家扶持村镇银行的政策目标无法实现。村镇银行如果仅仅以逐利为目的，势必动摇村镇银行服务三农、支持新农村建设的初衷。从目前来看，村镇银行无法有效落实在“三农”建设中的相关政策，同时也没有发挥出应有的作用来。 本文以湖北省的现有村镇银行为例，着重分析村镇银行的发展现状，以及湖北省村镇银行的发展存在的问题，最后通过在农村地区 保障 的金融服务体系 、 挖掘适合 村镇银行 的 发展模式， 对于 农村金融法律体系 要迅速构建与汲取国外在建设 村镇银行 上的宝贵经验等 对策来支持“三农”的建设。关键词：普惠金融 “三农”建设 村镇银行 AbstractThe primary goal of the state support for rural banks is to serve “agriculture, rural areas and farmers”, meet the financing needs of rural areas and agriculture, promote rural economic development, inject capital for underdeveloped rural areas, and support the construction of a new socialist countryside. As farmers and rural enterprises are disadvantaged groups, the agricultural economy has natural attributes of high risk and low efficiency. At present, the development model of rural banks is seriously affected by natural and market conditions. In this case, the village and town banks must transfer funds to profitability. More projects through the adjustment of the asset structure are self-developing, but this will inevitably lead to the inability of the financial needs of rural vulnerable groups to meet, leading to the government’s policy objectives of supporting rural banks cannot be realized, and ...
