II
Abstract
In advancing the new rural construction in our country, further comprehensively
deepen rural finance reform under the historical background, in order to crack China's
rural financial supply shortages, inadequate competition, China's financial regulators
large scale adjustment of the rural financial institutions with banking access policy,
fully using the policy guide, actively support and encourage the development of
village Banks such as the new type of rural financial institutions, multi-level rural
financial organization system, further improve the rural financial market in China.
Since 2006, our country rural Banks in developed parts immediately after the pilot
experience, summed up to promote. Practice, as a new rural banking financial
institutions, the establishment and development of village Banks in our country there
are many problems in the process. Specification, therefore, to guide China's steady
development of village Banks is an important problem of the rural financial reform.
This article discusses QuJing Huimin Village Bank how to realize the
sustainable development . For the first time, this paper introduces the background of
the village Banks in our country, introduced the relevant theoretical research, from
garment bank and the development of American community Banks mode analysis
summarizes the experience and enlightenment is obtained, to study the sustainable
development pattern of QuJing Huimin Village Bank. Secondly, this paper directly
affect the development of village Banks in our country the main three indicators
(macro environment, industry structure and financial index) were analyzed. Then, use
the method of empirical analysis of the QuJing Huimin Village Bank development
faced with their own advantages and disadvantages. Finally, in view of the problems
existing in QuJing Huimin Village Bank, put forward village Banks should choose the
sustainable development of the small, professional strategy, should further perfect
the system of village Banks, to strengthen the internal management, strengthen risk
control. QuJing Huimin Village Bank to take root in three agriculture to strengthen
the financial products and financial service innovation, and constantly enhance their
strength with differential financial service, on a sustainable development path.I
This article selects the sustainable development strategy of QuJing Huimin
Village Bank as the research object, aiming at the deficiencies and defects in the
process of the development of rural Banks put forward relevant Suggestions, hope to
promote the sustainable development of QuJing Huimin Village Bank to realize
commercial type effective play a role in the process of promoting its policy support
agriculture.
Key word: Village Banks，Sustainable development，
Strategy implementation

摘 要
在深入推进我国新农村建设，全面深化农村金融改革的历史背景下，为了
破解我国农村金融供给不足、竞争不充分等难题，我国金融监管部门大尺度调
整放开了农村地区银行业金融机构的准入政策，充分运用政策引导作用，积极
支持和鼓励发展村镇银行等新型农村金融机构，丰富多层次农村金融组织体系，
进一步完善我国农村金融市场。从 2006 年开始，我国村镇银行在总结部分地区
试点经验后迅速推广发展起来。实践中，作为新的农村银行业金融机构，我国
村镇银行在设立和发展过程中存在着很多问题。因此，规范引导我国村镇银行
稳健发展是事关农村金融改革的一个重要问题。

本文探讨曲靖市惠民村镇银行如何实现可持续发展。首先，本文介绍了我
国村镇银行产生的历史背景，简介了相关理论研究，从孟加拉乡村银行以及美
国社区银行的发展模式分析中总结了经验并得到了启示，为探讨曲靖市惠民村
镇银行的可持续发展模式奠定基础。其次，本文对直接影响我国村镇银行发展
最主要的三个指标（宏观环境、行业结构和财务指标）进行分析。然后，用实
证的方法分析了曲靖市惠民村镇银行发展面临的自身优势和不足。最后，针对
曲靖市惠民村镇银行目前存在的问题，提出应选择“精小、专业”的可持续发
展策略，进一步完善村镇银行的制度安排，强化内部管理，加强风险控制。曲
靖市惠民村镇银行要扎根“三农”，加强金融产品和金融服务创新，用差异化金
融服务不断增强自身实力，走上可持续发展道路。

本文选取曲靖市惠民村镇银行的可持续发展策略为研究对象，针对村镇银
行发展过程中存在的不足和缺陷提出相关建议，希望促进曲靖市惠民村镇银行
在实现商业化可持续发展的过程中充分发挥其政策支农作用。

关键字：村镇银行；可持续发展；政策建议