村镇银行在农户收入结构转变中的角色缺失——以吉林地区农户收入调查情况为例

The Role Absence of Village Bank in the Transition of Farmer Income Structure

村镇银行是农村金融改革的新生事物,它的设立是为了进一步满足农村日益增长的金融服务需求。所以,村镇银行在发展定位上,应以"服务三农"为主要目标,从微观、中观和宏观三个层面建构村镇银行的发展模式,以更有效地解决目前村镇银行在农户收入结构转变中角色缺失的问题,使村镇银行在实现农户收入增长方式转变、促进农村经济可持续发展方面发挥应有的作用。

As a newly emerging thing of rural financial reform,the establishment of village bank is to further meet with the demands of financial service in rural areas.Therefore,village banks should aim at ＂service for three rural（agricultural,countryside and farmers）＂,establish the developing mode of village bank in three levels： the micro-level,the medium-level and the macro-level.