村镇银行支付结算业务发展的现状、问题及建议——以广西为例摘要：支付结算业务本是银行最基本的业务之一，现在却成为制约村镇银行持续、快速、健康发展的主要瓶颈，亟待研究和解决。本文在对广西省内具有代表性的村镇银行进行现场调研的基础上，首先简要介绍了当前广西省村镇银行支付结算业务发展现状，接着深入剖析了村镇银行在发展过程中存在的主要问题，最后就推动村镇银行支付结算业务快速发展提出了有针对性的对策建议。关键词：村镇银行；支付结算业务；现状；问题；建议Thepresentsituation,problemsandsuggestionsofvillagebanks’paymentandsettlementbusiness——takeGuangxiasanexampleAbstract：Forbanks,paymentandsettlementbusinessisoneofthemostbasicbusinesses.Butnow,itbecomesthemainbottleneckswhichblockingthevillagebanksdevelopcontinuously,rapidlyandhealthily.OnthebasisofconductingsiteinvestigationoftypicalvillagebanksinGuangxiprovince,thispaperbrieflyintroducesthecurrentstatusofvillagebanks’paymentandsettlementbusiness,andthendeeplyanalyzesthemainproblemsinthedevelopmentprocessofvillagebanks，finallypromotestargetedcountermeasuresandsuggestionsfortheofvillagebanksabouthowtodeveloppaymentandsettlementbusinessrapidly.Keywords：Villagebanks;Paymentandsettlementbusiness;Currentsituation;Problem;Suggestion目录一、引言............................................................1（一）选题背景......................................................1（二）研究目的及意义................................................1二、村镇银行支付结算业务概述........................................2（一）村镇银行......................................................2（二）支付结算业务..................................................2（三）广西村镇银行..................................................3三、广西村镇银行支付结算业务发展现状................................3（一）账户开设情况..................................................3（二）非现金支付工具发展情况........................................4（三）系统接入情况..................................................5（四）支付机具安装情况..............................................6四、存在的问题......................................................7（一）品牌认可程度低...............................................7（二）非现金支付工具发展受限........................................8（三）支付清算渠道不通畅............................................8（四）文化水平参差不齐..............................................8（五）流动性风险防控手段偏弱........................................9（六）村镇银行营业网点少且集中在县域................................9五、相关建议........................................................9（一）加大品牌宣传力度..............................................9（二）加大扶持力度.................................................10（三）创新金融产品和服务...........................................10（四）加强支付清算渠道建设.........................................11（五）组织培训交流活动.............................................11（六）建立流动性风险防控机制.......................................12（七）在乡镇设立营业机构...........................................12六、结论...........................................................13参考文献...........................................................14致谢..............................Error:Referencesourcenotfound一、引言（一）选题背景“三农”问题一直以来都是关乎我国现代化建设进程和改革开...
