珠三角地区村镇银行发展问题的实证分析——以中山市小榄镇村镇银行为研究对象

An Empirical Analysis of the Development Problems of Rural Banks in the Pearl River Delta: a case study of the rural banks in Xiaolan of Zhongshan City

村镇银行作为提供农村金融服务的新力军,将金融服务"三农"特色与自身发展目标有益融合,开拓了一条农村普惠金融的新路径,奠定了长足发展的基础,初步形成了多层次、较完善的农村金融体系,服务覆盖面不断扩大,服务水平不断提高。以中山市内最早成立的小榄镇村镇银行为例,通过数据分析村镇银行目前发展的明显特点,结合相关案例,深入分析村镇银行支农服务的难点,并提出相关建议。

As new forces to offer the financial services in rural areas, village banks combine the features of financial services in agriculture-rural areas-farmers with the goals of its self-development, explore a new road to the wide-range finances in rural areas, and lay a foundation for the long run, setting up a multi-leveled, improved financial system in the rural areas, which helps to cover a wide spread area and raise the service. This paper carries out a study of the obvious features of the present development of the rural banks by analyzing the data of the banks in the town of Xiaolan of Zhongshan City, the earliest town to start rural banks, based upon which the difficulties of the banks of how to support the agriculture is addressed with relevant suggestions for solution.