中文摘要
“三农”问题是当前我国农业农村社会经济不断发展的重要研究问题，与农牧民的切
身利益息息相关。随着经济的发展和综合国力的增强， “三农”问题对整体经济的影响越
来越大，严重限制了我国经济的发展。对县域地区来说，三农是其发展经济的基础，在
县域经济发展中占据着重要地位。如何进一步优化县域金融机构的服务，支持农业、农
村和农民等经济的发展，是当今亟待解决的问题。国家进行不断加大对农村牧区金融的
资源管理投入工作力度，大大改善了农牧区金融市场环境，发展了农牧区县域经济。然
而，县域经济在发展过程中，普遍存在金融机构辐射范围窄、金融机构体系不健全、金
融产品创新不足、农牧民融资难、融资贵等问题。因此，加大对 “三农”的金融支持，可
以减少金融服务盲区，提高农牧区金融服务能力。
内蒙古锡林浩特市属于全辖县域，中国农业银行锡林浩特 S支行（以下简称“农行 S
支行”）是农牧区典型的一家金融机构，农行在“三农”领域积累了大量发展经验，在县域
经济发展过程中，发挥了巨大作用，主要表现有：机构设置数量多，辐射范围广；服务
经验多元化；金融产品针对性强等。我国农业金融体系当前正在大力改革，同时，农业
银行正处于改革的深水期，在这个关键时期，需要贯穿全国形势，思考农业银行县域管
理体制和“三农”业务发展方向，进行战略决策，进一步提高农行县域市场竞争力，推动
县域经济朝着可持续的方向发展。
本文以农行 S支行“三农”业务为研究对象，收集了“三农”业务相关数据。本文分析
了农行 S支行发展“三农”业务的现实状况，找到其中的一些问题。然后运用所学知识和
经验，借助 PEST、SWOT等分析工具，对农行 S支行“三农”业务面临的问题进行具体分
析，最后为该银行发展三农业务制定完善的战略，并为战略的有效实施提出几点保障措
施。此次研究能为农行 S支行发展三农业务提供帮助，提高其市场竞争实力，为农行 S
支行适应我国当前县域经济的快速持续发展提供了科学管理决策与参考。
关键词：“三农”业务；PEST；波特五力模型；SWOT；发展战略

ABSTRACT
"Agriculture, rural areas and farmers" is an important research issue in the continuous
development of agriculture and rural social economy in China, which is closely related to the
vital interests of farmers and herdsmen. With the development of economy and the
enhancement of comprehensive national strength, the "three rural" issues have a greater and
greater impact on the overall economy, which seriously limits the development of China's
economy. It plays an important role in the development of county economy. How to further
optimize the services of county financial institutions and support the economic development of
agriculture, rural areas and farmers is an urgent problem to be solved. The state has
continuously increased investment in financial resource management in rural and pastoral areas,
greatly improved the financial market environment in rural and pastoral areas, and developed
the county economy in rural and pastoral areas. However, in the development process of
county economy, there are many problems, such as narrow radiation range of financial
institutions, imperfect financial institution system, insufficient innovation of financial products,
difficult and expensive financing for farmers and herdsmen. Therefore, increasing financial
support for "agriculture, rural areas and farmers" can reduce the blind area of financial services
and improve the financial service capacity of agricultural and pastoral areas.
Xilinhot City in Inner Mongolia is a county under its jurisdiction. Xilinhot S branch of
Agricultural Bank of China (hereinafter referred to as "Agricultural Bank S branch") is a
typical financial institution in agricultural and pastoral areas. Agricultural Bank of China has
accumulated a lot of development experience in the field of "agriculture, rural areas and
farmers" and played a great role in the process of county economic development. The main
manifestations are: a large number of institutions and a wide range of radiation; Diversified
service experience; Financial products are highly targeted. At present, China's agricultural
financial system is undergoing vigorous reform. At the same time, the Agricultural Bank of
China is in the deep-water period of reform. In this critical period, it is necessary to run
through the national situation, think about the county management system and the development
direction of "agriculture, rural areas and farmers" business of the Agricultural Bank of China,
make strategic decisions, further improve the county market competitiveness of the
Agricultural Bank of China and promote the sustainable development of the county economy.
This paper takes the "agriculture, rural areas and farmers" business of S branch of
Agricultural Bank of China as the research object, and collects the relevant data of "agriculture,
rural areas and farmers" business. This paper analyzes the reality of the development of

"agriculture, rural areas and farmers" business in s branch of Agricultural Bank of China, and
finds some problems. Then, using the knowledge and experience learned, with the help of pest,
SWOT and other analysis tools, this paper makes a specific analysis of the problems faced by
the "agriculture, rural areas and farmers" business of s branch of Agricultural Bank of China.
Finally, it formulates a perfect strategy for the development of agriculture, rural areas and
farmers business of the bank, and puts forward some guarantee measures for the effective
implementation of the strategy. This research can help S branch develop the business of
agriculture, rural areas and farmers, improve its market competitiveness, and provide scientific
management decision-making and reference for S branch of Agricultural Bank of China to
adapt to the rapid and sustainable development of county economy in China.
Key words: "agriculture, rural areas" business
PEST Porter's Five Forces model
SWOT Development strategy
。。。以下略