内容摘要国内农村商业银行是农村信用社变革的结果，目前在改革深入发展中逐渐成为农村金融系统中的关键构成部分以及扶持地区经济发展的关键部分，为国内“三农”发展准备了良好的基础。为持续促进农村商业银行的合理发展，需要清楚了解目前银行业的发展走势以及监管需要，本文整理了国内农村商业银行数量增长过快，经营依赖于传统的存贷业务，盈利模式较为单一，业务偏重于城镇和大客户，对农村中小客户重视不够，中间业务发展缓慢，种类匮乏，缺乏创新能力等现状。并分析农村商业银行发展障碍存在的股权结构和法人治理结构不完善，农村商业银行过度依赖政府，业务创新能力不足，经营理念落后，风险管理能力有待提高，员工素质整体偏低，专业技能不强等原因。最后为我国农村商业银行的发展提出了强化统一法人治理结构和优化内部股权结构，坚持基本市场定位，避免与政府有过多金融交易活动，开发创新型的金融业务，加强风险管理，提高资产质量，提升经营理念，建立优秀的企业文化，引进人才，加强人才储备等对策。关键词：农村商业银行发展现状问题发展策略AbstractRuralcommercialbankinourcountryistheproductofthereformofruralcreditcooperatives,isnowgrowinginthedeepeningreformbecometheimportantcomponentoftheruralfinancialsystemandsupportlocaleconomicdevelopmentimportantforce,thedevelopmentofthe"threerural"hasmadeasignificantcontribution.Inordertofurtherpromotethenormativedevelopmentofruralcommercialbank,formedwiththedevelopmenttrendofthecurrentbankingindustryandregulatoryrequirements,thispapersummarizestherapiddevelopmentofruralcommercialbankinourcountry,relyonthetraditionalloanbusiness,profitmodelisrelativelysingle,businessfocusontownsandbigcustomers,fortheruralsmallandmedium-sizedcustomerstoenough,slowdevelopmentofintermediarybusiness,treespecies,suchaslackofinnovationability.Andanalyzetheobstacleofthedevelopmentofruralcommercialbankownershipstructureandcorporategovernancestructureisimperfect,excessiverelianceonthegovernment,ruralcommercialbankbusinessinnovationabilityisinsufficient,backwardmanagementconcept,toimproveriskmanagementability,lowqualityofemployeesasawhole,professionalskillsisnotstrongwaitforareason.FinallyforthedevelopmentofruralcommercialbankinChinaputsforwardtostrengthentheunifiedlegalpersongovernancestructureandoptimizationofinternalshareholdingstructure,adheretothebasicmarketpositioning,toavoidtoomuchfinancialtransactionswiththegovernmentactivities,developinginnovativefinancialoperations,strengthenriskmanagement,improvethequalityofassets,improvethemanagementidea,establishingexcellententerpriseculture,introducetalents,strengthenthecountermeasuressuchastalentpool.Keywords：RuralcommercialbankThepresentsituationofthedevelopmentProblemThedevelopmentofthestrategy目录一、我国农村商业银行的发展现状................................1（一）农村商业银行数量发展迅速................................1（二）经营依赖于传统的存贷业务，盈利模式较为单一..............2（三）业务偏重于城镇和大客户，对农村中小客户重视不够..........3（四）中间业务种类少，缺乏创新能力，发展缓慢..................3二、我国农村商业银行发展困境的原因分析........................4（一）股权结构和法人治理结构不完善............................4（二）农村商业银行过度依赖政府................................4（三）业务创新能力不足，经营理念落后..........................5（四）风险管理能力有待提高....................................5（五）员工素质整体偏低，专业技能不强..........................6三、我国农村商业银行发展与改革的对策建议......................7（一）强化统一法人治理结构和优化...
