村镇银行的设立在一定程度上缓解了农村的金融贫血症，健全了
农村金融体系，盘活了农村金融市场。村镇银行的出现不仅有效的改
善了农民的贷款难问题，提升了农民的生产和生活水平，而且加快了
整个国家的城乡建设、促进了社会稳定和谐发展。因此设立和发展我
国的村镇银行，是当前农村金融体制改革的重要途径，也是普惠金融
在中国实践的重要路径
年上半年湖南省开始村镇银行试点。截止 2016 年 6 月，湖
南省已开业的村镇银行己达 31 家，发展势头良好。本文立足湖南省
具体情况，通过深入调查研究茶陵浦发村镇银行的发展状况以及遇到
的发展瓶颈，结合国内外村镇银行、社区银行、小额信贷金融机构发
展的经验，探讨茶陵浦发村镇银行可持续发展的对策与建议
关键词：村镇银行，可持续发展，普惠金融II
ABSTRACT
China's agricultural foundation is weak, The rural economic
development level is less than the city, urban and rural construction
polarization is larger, the urban and rural residents' income gap is
becoming more and more big. Service to agriculture, rural areas and
farmers of the construction of new rural construction of new urbanization
purpose is all about developing rural economy. Rural finance is the center
of the modern rural economy, shortage of capital is one of the important
reasons for the slow development in rural areas. Inclusive finance main
purpose: for all people, especially for the people who Poverty can't loan,
and help them out of poverty. On the third plenary session of the 18
explicitly put forward the implementation Inclusive finance financial as
the goal of the rural financial reform in the future. To achieve this goal, it
is necessary to accelerate the development of a new type of rural financial
institutions in our country.
The establishment of rural banks to some extent to meet the rural
financial demand, improve the rural financial system, increase the
financial support of the rural economy, and to Improve the rural financial
system, The development and perfection of rural Banks is not only related
to farmers' production and living, but also to the whole country's social
stability and harmonious development of urban and rural construction andIII
other major issues, which is a top priority of the current rural financial
system reform Establish and improve the system of rural Banks in our
country, also is the important path of Inclusive financial practice in
China.
The pilot of rural bank sincein Hunan province, As of June
2016, the opening of rural bank in hunan province has up to 31. In this
paper, based on the specific circumstances of hunan province, through
in-depth investigation and study found problems in the development of
Chaling Pufa Rural bank and meet the development of the bottleneck,
Combining with the development of rural bank and community Banks
institutions at home and abroad experience, To explore the
countermeasures and suggestions to Chaling Pufa Rural bank about
sustainable development.
Key words： rural banks，sustainable development，Inclusive financeIV
目 录
摘要.......I
ABSTRACT..... II
第一章 绪 论....1
1.1 选题的背景和选题意义.......... 1
1.1.1 选题背景........... 1
1.1.2 研究意义........... 2
1.2 国内外研究现状及评价.......... 3
1.2.1 国外研究现状... 3
1.2.2 国内研究现状... 6
1.3 研究方法.......... 9
1.4 论文研究思路和结构安排... 10
1.4.1 本文研究思路和过程 10
1.4.2 本文的结构安排........ 10
1.5 论文可能的不足....... 11
第二章相关概念与相关理论..12
2.1 相关概念........ 12
2.1.1 普惠金融的概念......... 12
2.1.2 可持续发展的概念..... 14
2.1.3 村镇银行的概念......... 15
2.2 相关理论........ 18
2.2.1 弱势群体理论. 18
2.2.2 金融抑制和金融深化. 19
2.2.3 农业信贷补贴论、农村金融市场论与不完全竞争市场论. 20
2.2.4 金融共生理论. 21
第三章 国外村镇银行可持续发展的经验借鉴........23
3.1 发达国家村镇银行经验........ 23
3.1.1 发达国家村镇银行发展情况. 23
3.1.2 发达国家村镇银行经验借鉴. 24
3.2 发展中国家村镇银行经验.... 25
3.2.1 发展中国家村镇银行发展情况......... 25
3.2.2 发展中国家村镇银行经验借鉴......... 26
第四章 茶陵浦发村镇银行现状与可持续发展评价28
4.1 村镇银行可持续发展概念的界定.... 28
4.2 茶陵浦发村镇银行概况........ 29
4.3 茶陵浦发村镇银行可持续性评价.... 30
第五章 茶陵浦发村镇银行可持续发展面临的困境与原因40
5.1 吸储能力有限 40
5.2 贷款风险显现 41
5.3 获利渠道单一 42V
5.4 高端金融人才匮乏.... 43
5.5 其他影响因素 43
第六章 基于普惠金融视角的茶陵浦发可持续发展建议....46
6.1 坚持实践普惠金融的办行原则........ 46
6.1.1 坚持服务三农. 46
6.1.2 坚持服务小微企业..... 47
6.2 增强银行自身可持续发展能力........ 47
6.2.1 开发金融产品，加强业务创新能力. 48
6.2.2 完善内部控制，降低贷款风险......... 48
6.2.3 建立培训体系，吸收高素质人才.... 48
6.2.4 加强宣传力度，提升公信力. 49
6.3 优化银行外部环环境 50
6.3.1 针对村镇银行的优惠政策扶持......... 50
6.3.2 区别与大型银行的差别化监管......... 50
结论与展望......52
参考文献..........53
攻读硕士学位期间主要研究成果......56
致 谢....571
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