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1、试论我国村镇银行发展存在的问题及对策【摘要】自中国银行业监督管理委员会公布《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》,放宽新型农村金融机构准入标准以来,新型的农村金融机构——村镇银行有了较好的发展空间。但由于起步晚,我国村镇银行的发展也仍然存在经营发展空间受限、吸储压力大、资金筹集难、风险控制难等诸多方面的问题,阻碍了村镇银行的发展。为此,本文提出了金融产品创新、金融服务的创新、加强自身建设、建立切实可行的风险控制体系等对策以解决我国村镇银行发展存在的一些问题,使其更健康快速的发展【关键词】村镇银行、资金筹集、风险控制、金融服务Disc
2、ussabouttheproblemsandcountermeasuresexistinginthedevelopmentofbourgbankinourcountry【Abstract】:SinceChineseBankingManagementSupervisionCommitteepromulgatedsomeopinionsaboutadjustmentandrelaxingcountrysideareabankindustryfinancialorganadmittancepolicybettersupportingsocialismnewruralconstruc
3、tion,andwhichrelaxthenewpatternruralfinanceorganizationadmittancestandard,thenewpatternruralfinanceorganization——bourgbankhadgooddevelopmentspace.Butbecausethebeginningislate,ourcountry’sbourgbankdevelopmentstillexistlotsofquestions,suchasmanagementdevelopmentspacelimited,thehighpressureina
4、ttractingstorage,difficultyinraisingfundsandcontrollingriskandsoon,whicharehinderingitsdevelopment.Therefore,thisarticlecomeupwithsomecountermeasures,suchastheinnovationoffinanceproductandfinancialservice,strengtheningtheselfconstruction,establishingthepracticalandfeasibleriskcontrolsystema
5、ndsoforthtosolvethoseproblemsexistinginthedevelopmentofourcountry’sbourgbank,soastomakeithealthyandfastdevelopment.【Keywords】:Bourgbank、Raisefunds、Riskcontrol、FinancialserviceChapterIGeneralprovisionsarticleIobligationtoclearcreditpre-loaninvestigationrequirements,improvethequalityofpre-loa
6、ninvestigation,preventcreditrisks,accordingtotheCBRCcommercialbankcreditduediligenceguidelines,commercialbankcreditsmallbusinessduediligenceguidelines(trial)andotherregulatoryrequirementsandtheactualsituationoftheBank,thesemeasuresareformulated.Secondpersonmentionedinthesemeasuresreferstoin
7、accordancewiththerulesofcreditinvestigations,surveysandanalysisofthecreditbusinesspeople.ArticlecreditmentionedinthesemeasuresreferstotableprovidedtocustomersbothinsideandoutsideoftheBank'screditbusiness,includingforeigncurrencyloans,tradefinance,bankacc