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。
Abstract
Village bank is a new thing in the rural financial system, in recent years, with its rapid development in China, rural banks play an important role in it. Village bank aims to perfect our financial system, fill the gaps in rural finance, better for the “three rural” service. Can say, the emergence of rural banks to solve the rural financial institutions in China area coverage is low, competition is not sufficient, the financial supply and financial services are not in place and a series of problems. But, he to the financial environment has milepost sense. However, the development of rural banks to now, development has slowed, but also exposed many problems, according to the problems existed in the development of village banks in Guizhou province is analyzed, and the countermeasures were proposed for the village bank, better for the “three rural” service to provide a sufficient theoretical support.
Keywords: rural banks, finance, development, problems, countermeasures.
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