某村镇银行发展现状和问题分析毕业设计_计算机程序设计_计算机设计辅导_计算机设计代做_java_安卓_小程序_springboot

摘要

近年来，随着“三农”问题日益引起人民关注，国计民生这一重要论题又被推上了新台面。为了扩大农业生产，提高农民生活水平，推进农村经济的建设，政府把工作的重心放在了完善农村金融体系上，以期满足新农村建设过程中资金严重不足的实际问题。而现下的农村环境，金融机构类型普遍比较单一，占据偏远农村角落的往往只有信用社和中国邮政储蓄等机构。为解决这一现实问题，金融新机构应运而生。村镇银行的出现无疑是雪中送炭，它在一定程度上促进了农村经济的建设。然而，村镇银行还处于起步阶段，存在着许多的制约因素，为适应可持续发展的需要，问题出现就亟需解决。本文将在阐述村镇银行定义，性质，发展概况的基础上，以小见大，选取无锡A村镇银行为代表进行探析，分析其经营发展现状，以求找到问题所在，并对其未来发展提出可行性建议，也为整个村镇银行行业的日后蓬勃发展提供参考依据。

关键词 村镇银行；“三农”问题；农村经济；金融机构

Abstract

In recent years, with the ‘three dimensional rural’ issue has aroused people’s concern, the national economy and the people’s livelihood, this important topic has been pushed to a new table. In order to expand agricultural production, improve the living standard of farmers, promote the construction of the rural economy, the government work focus on the improvement of rural financial system, in order to meet the practical problems in the process of new rural construction of a serious shortage of funds.

In the present rural environment, types of financial institutions generally relatively simple, occupy the remote corner of the rural areas often only credit cooperatives and China postal savings institutions.In order to solve this problem, the new financial institution arises at the historic moment. The emergence of rural banks is undoubtedly timely assistance, it promotes the construction of the rural economy to a certain extent.

However, the rural banks are still in the initial stage, there are many constraints, in order to meet the needs of sustainable development, the problems need to be solved. The described in the definition of a village and town bank, nature, based on the general situation of the development of. Select a village bank in Wuxi as the representative of the analysis of its business development present situation, in order to find the crux of the problem, and put forward feasible suggestions for its future development, but also provide a reference basis for the village and town bank industry future to flourish.

Keywords rural banks three dimensional rural issues rural economy financial institutions

1 绪论……………………………………………………………. 1

1.1研究背景…………………………………………………….. 1

1.2研究目的和意义……………………………………………….. 1

1.3研究的主要内容……………………………………………….. 1

1.4研究的思路和方法……………………………………………… 2

1.5创新点和不足…………………………………………………. 2

2 村镇银行概述…………………………………………………….. 3

2.1村镇银行定义…………………………………………………. 3

2.2村镇银行性质…………………………………………………. 3

2.2.1独立的企业法人…………………………………………… 3

2.2.2具有地域性………………………………………………. 3