宁波地区具体村镇银行可持续发展问题研究.docx

PAGE 9 PAGE 9 摘 要 　　村镇银行作为一种新型农村金融机构，其出现填补了我国农村地区金融服务的空白，也是我国解决“三农”问题的生力军。宁波地区的村镇银行起步较早，但发展情况并不理想，其“支农支小”的职能履行也存在一定偏差。由于宁波市目前还存在许多以特色农业和渔业为主要经济模式的县域村镇，中小企业数量庞大且在整体经济中占有较大比重。因此宁波地区的村镇银行发展对于当地经济的进步和居民生活的改善也有较大的意义。　　本文主要是在整理村镇银行相关理论和文献的基础上，结合搜集到的宁波地区具体村镇银行近几年数据进行统计分析，以此发现目前宁波地区村镇银行普遍存在的经营模式固化、盈利能力弱等问题。并参考其他银行成功经验建议这些银行转变自身模式积极创新。同时应紧跟时代潮流推动村镇银行新型管理模式试点和尝试混业经营，从过度依赖存贷利差和贷款增长的传统发展模式向高质量的可持续发展模式转变。关键词：村镇银行 混业经营 可持续发展 本土化 摘 要 　　 Title Analysis on the current situation and development mode of village banks in Ningbo area 　　AbstractAs a new type of rural financial institutions, the emergence of village bank fills the gap of financial services in rural areas of our country, and it is also a new force to solve the three rural problems in our country. Village banks in Ningbo started earlier, but the development situation is not ideal, and there are certain deviations in the performance of supporting agriculture and supporting small businesses. As there are still many counties and towns with characteristic agriculture and fishery as the main economic models in Ningbo , the number of small and medium-sized enterprises is huge and occupies a large proportion in the overall economy. Therefore, the development of village banks in Ningbo is of great significance to the progress of local economy and the improvement of residents lives. 　　In this paper, based on the relevant theories and literature of village banks, combined with the collected data of specific village banks in Ningbo area in recent years to conduct a statistical analysis, in order to find out the existing problems of village banks in Ningbo area, such as solidified business model and weak profitability. Referring to the successful experience of other banks, these banks are advised to transform their own models and actively innovate. At the sametime, it should follow the trend of the time to promote the pilot of new management mode and mixed operation of village banks, and transform the traditional development