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村镇银行是我国2005年后建立起来的一种新型银行业金融机构,是解决我国农村地区银行业金融机构覆盖率低、金融供给不足、竞争不充分、金融服务缺位等“金融抑制”问题的创新之举。村镇银行的成立,对于改进和加强农村金融服务、促进新型农村金融体系形成,进而更好地支持社会主义新农村建设,具有十分重要的意义。但作为新生事物,村镇银行在可持续发展中还存在一些新的问题,本文基于对某辖区村镇银行经营财务状况调查,对当前村镇银行发展瓶颈进行了一定的研究分析,并针对其健康发展提出了相应的对策建议。
Villages and Towns Bank is a new type of banking financial institution established after 2005 in our country. It is a solution to the problems of low financial coverage, insufficient financial supply, insufficient competition and lack of financial services in rural areas in China. The problem of innovation. The establishment of village and township banks is of great significance for improving and strengthening rural financial services, for promoting the formation of a new rural financial system and for better supporting the building of a new socialist countryside. However, as a newcomer, there are still some new problems in the sustainable development of rural banks. Based on the investigation of the financial status of rural banks in a certain jurisdiction, this paper makes some research and analysis on the current bottlenecks of rural banks and puts forward the suggestions The corresponding countermeasures and suggestions.