改革开放三十多年来来,我国各项丄作取得了K足的进行,作为一个农业人国,农业的发展

对我国农村经济以及我国经济建设有至关重要的作用,党的十七届二中全会《决定》“农业基

础仍然薄弱,最需要加强;农村发展仍然滞后,最需耍扶持;农W增收仍然困难,最需耍加快。”

集中概括了新形势下推进农村改革发展的重耍性和紧迫性。金融作为推动农村经济发展中的重要

力量,在农村经济发展中的作用越来越明显。0前,我国农村改革发展已进入制度创新的新阶段,

加快农村金融改革步伐,建立现代农村金融制度成为下一步农村改革的重耍命题。宁夏Q 2008

年第一家村镇银行——灵忠滨河村镇银行成立至今已陆续有九家村镇银行挂牌营业,为拓宽家W

及中小企业融资渠道,支持宁夏农村地区建设作出了重要贡献。但由丁经验不足、规模过小、资

金来源有限、服务宗旨落实不到位、服务体系不健全、风险分散控制机制缺乏等问题的存在,其

发展还面临着很多问题。本论文首先对国内外农村金融理论进行了综述,然后在走访调研宁夏地

区九家村镇银行基础上,收集整理村镇银行经营规模、经营模式、内控制度与盈利状况等资料,

并由此入手分析屮夏村镇银行发展过程中存在的种种问题。在借鉴国内外小项金融机构成功发展

模式的基础上,提出促进‘〗:夏村镇银行快速、稳建发展的建议,并对村镇银行发展前景进行展望。

关键词:少夏,村镇银行,现状,展望

Abstract

For over 30 years of reform and opening-up,our country has made a great achievement in each

work。 as an agricultural country, agriculture development play an important role in our country rural

economy and economic construction in our country, the third plenary session of the 17 decide

that:agriculture foundation which need to strengthen is still weak; rural development which need the

most support is still lags behind;increasing of farmers' income which need to speed up is rather

difficult. This focuses on the importance and urgency of promoting rural reform and development

under the new situation. Finance ,as the most important allocation system of rural economic

development,the effect in rural economic development became more and more obvious. At present, the

rural reform development has entered the new step of system innovation, to speed up the pace of rural

financial reform, establish a modern rural financial system has become an important proposition.

Village Banks as a new type of rural financing and credit,undertook the mission of servicing to

agriculture, rural areas and farmers since the establishment.From the first village bank-WuZhong binhe

village bank established in 2008 in NingXia, nine village banks had opened,they expanded the financing

channels for minor enterprises5great supported the construction in ningxia rural areas.However,it still

faced lot of problem,due to inadequate experience,small size,limited sources of funding, service

implementation does not reach the designated position, service system is not well,lack of risk control

ect.

The thesis summarized the domestic and foreign rural financial theory first,based of the visiting

research of above mentioned nine village Banks,collected datas of village operate scale,style,internal

control and profit suitation,then analyses the problems existed in the progess of village banks

development. With the analyzing of the above factors,and using the success model in domestic and

foreign finance department, now we put forward the development tactics to promote the development of

ningxia village bank rapidly and firmly.and give the outlook of the village bank's perspective.

Key words: ningxia, Village Banks,current situation,Prospect