我国新型农村金融机构的发展现状分析

A New Type of Rural Financial Institutions in Our Country Development Present Situation Analysis

本文通过使用中国银行业监督管理委员会网站上公布的官方数据,从新型农村金融机构的总体发展趋势、三类新型农村金融机构的发展趋势和新型农村金融机构在中西部、东部的分布状况等方面,分析了我国新型农村金融机构的发展状况和业务状况,研究结果发现我国新型农村金融机构近几年发展迅速,其中村镇银行增长较快;中西部地区新型农村金融机构的增长速度比东部地区快;另外,新型农村金融机构有较好的盈利空间,并且新型农村金融机构的大部分资金都投向了"三农"和中小企业,但自2010年以后,新型农村金融机构对"三农"和中小企业的资金投入呈不断下滑的趋势。

Through the use of the China banking regulatory commission official figures released by the website, from the overall development trend of the new type of rural financial institutions, three kinds of new type of rural financial institutions and the development trend of new type of rural financial institutions in the Midwest, in the eastern part of distribution, etc., analyzes the development of new type of rural financial institutions and business conditions, the results of the study found that the new type of rural financial institutions in our country is developing rapidly in recent years, the village bank is growing rapidly; The central and western regions of the new type of rural financial institutions growth speed is faster than the eastern region; In addition, the new type of rural financial institutions have better profit space, and most of the money to the new type of rural financial institutions for agriculture, rural areas and farmers and small and medium-sized enterprises （smes）, but since 2010, the new type of rural financial institutions for agriculture, rural areas and farmers and small and medium-sized enterprises of money into the declining trend.