金融双学位 李婷金融双学位 李婷.doc

本科毕业论文 中文题目： 我国村镇银行的经营状况分析 英文题目： Analysis of the operating conditions of domestic rural banks 内容摘要 村镇银行作为新型的农村金融机构，在新型农村金融机构发展中发挥着主导力量，它的成立缓解了农村金融需求，增强了市场竞争力，完善农村金融服务。但是由于村镇银行是新起的，力量薄弱，经营发展不稳定，因此在其运行发展中存在着自身经营困难、政策支持力度不够等问题和隐患。这些问题若不能被及时有效地解决，必将严重影响着村镇银行的可持续发展。 本文结合长兴联合村镇银行案例，考察了村镇银行的经营困境，本文首先对村镇银行的市场定位及其特性进行分析，其次对村镇银行的现实效应进行研究，主要从增加农村地区资金供给，缓解农户资金需求；为民间资本打开了投资渠道；形成了具有竞争性的农村金融市场三个方面进行分析，通过对村镇银行的经营难点的分析，对促进村镇银行可持续发展的对策提出合理建议。 关键词：村镇银行；经营困境；可持续发展 Abstract As a new rural financial institutions of rural banks, play a dominant force in the development of new rural financial institutions, it was established to alleviate the rural financial demand, enhance market competitiveness, improve the rural financial service. But as the village bank is starting a new business development, weak, unstable, so in the development has some problems and hidden dangers. Such as policy support dynamics is insufficient, the operating difficulties of its own, if cannot solve these problems effectively, it will seriously hamper the sustainable development of rural banks. Combining with the Changxin joint town bank case, the operating difficulties of village banks, this paper firstly analyses the rural banks in the market positioning and characteristics of village bank, next to the realistic effect, mainly from the increase in rural areas the supply of funds, relieve farmers demand for funds; open up investment channels for private capital formation; three with a competitive rural financial market analysis, through the analysis of operating difficulties for rural banks, and put forward reasonable suggestions on Countermeasures to promote the sustainable development of rural banks. Key Words：Village bank; Management difficulties; Sustainable development 目 录 一、引言 1 二、我国村镇银行的市场定位及其特性 2 （一）我国村镇银行市场定位 2 （二）我国村镇银行的特性 2 三、我国村镇银行的现实效应 4 （一）增加农村地区资金供给，缓解农户资金需求 4 （二）为民间资本打开了投资渠道 5 （三）形成了具有竞争性的农村金融市场 5 四、我国村镇银行的经营难点 5 （一）面临吸收存款难 6 （二）风险控制能力弱 8 （三）