西部地区村镇银行信贷业务问题研究——基于对云南安宁稠州村镇银行的调查

Research on Credit Business of Rural Banks in the Western Region——Based on Investigation of Yunan Anning Chouzhou Rural Bank

村镇银行是农村金融机构的一大创新,不仅完善农村金融体系,还有效缓解农村资金供求矛盾,促进农村经济的发展。信贷业务作为金融机构的传统基本业务,直接决定着村镇银行的生存与发展。文章以云南安宁稠州村镇银行为例,基于其信贷业务需求的调查分析,分析了安宁稠州村镇银行信贷业务的现状和存在的问题,并根据安宁稠州村镇银行信贷业务现状提出改进建议,对于促进西部地区村镇银行信贷业务的健康发展具有现实意义。

Rural Bank is a major innovation in rural financial institutions, not only to improve the rural financial system, but also effectively alleviate the contradiction between supply and demand of funds in rural areas, promote rural economic development.Credit business as a traditional fi nancial institution, directly determines the survival and development of village banks. Taking Yunnan Anning chouzhou rural banks as example, based on their credit business needs investigation, this article analysis the current situation and problems of credit Business in rural bank, and make recommendations for improvement.This has practical signifi cance to promote the healthy development of credit operations of the rural bank in western region.