村镇银行服务“三农”存在的问题与对策研究――以贵州省村镇银行为例摘要村镇银行是农村金融体系中一个新兴的事物，近年来随着它在我国的快速发展，村镇银行的作用也日益凸现出来。村镇银行建立的目的就是为了健全我国的金融机构体系，填补农村金融的空白，更好的为“三农”服务。也可以说，村镇银行的出现较好的解决了我国农村地区金融机构覆盖率低下、竞争不充分、金融供给不足以及金融服务不到位等一系列的问题。而且，他对于金融环境也具有里程碑的意义。但是，村镇银行发展到现在，发展速度有所减缓，也暴露出来很多的问题，文章根据对贵州省村镇银行在发展中存在的问题进行分析，并提出了解决对策，为村镇银行更好地为“三农”服务提供有充分的理论支持。关键词：村镇银行、金融、发展、问题、对策。AbstractVillagebankisanewthingintheruralfinancialsystem,inrecentyears,withitsrapiddevelopmentinChina,ruralbanksplayanimportantroleinit.Villagebankaimstoperfectourfinancialsystem,fillthegapsinruralfinance,betterforthe"threerural"service.Cansay,theemergenceofruralbankstosolvetheruralfinancialinstitutionsinChinaareacoverageislow,competitionisnotsufficient,thefinancialsupplyandfinancialservicesarenotinplaceandaseriesofproblems.But,hetothefinancialenvironmenthasmilepostsense.However,thedevelopmentofruralbankstonow,developmenthasslowed,butalsoexposedmanyproblems,accordingtotheproblemsexistedinthedevelopmentofvillagebanksinGuizhouprovinceisanalyzed,andthecountermeasureswereproposedforthevillagebank,betterforthe"threerural"servicetoprovideasufficienttheoreticalsupport.Keywords:ruralbanks,finance,development,problems,countermeasures.目录摘要................................................................................................................................1Abstract.........................................................................................................................1前言................................................................................................................................31.我国村镇银行服务“三农”的现状.........................................................................31.1村镇银行的发展历程..............................................................................................31.2村镇银行在服务“三农”方面实现的制度创新和现实成果..............................41.2.2村镇银行服务“三农”取得成效.......................................................................41.3村镇银行在服务“三农”过程中还存在的缺陷..................................................62.村镇银行仍存在的不足的产生原因.........................................................................72.1市场定位偏离“三农”..........................................................................................72.2信誉度问题..............................................................................................................72.3缺乏差别化的金融产品，创新性不足..................................................................83.贵州省村镇银行在服务“三农”过程中存在的问题及原因分析.........................83.1业务类型有限且存款来源不足..............................................................................83.2股本设置欠合理且村镇银行股份制优势难以发挥..............................................93.3信贷投放力度不足..................................................................................................93.4配套法规政策不健全.....................................................................
