我国村镇银行的发展困境及对策——以河南省辉县珠江村镇银行为例

从2007年起设立的村镇银行为农村地区的建设和发展提供了有力支持。但是作为新生事物,各项工作仍处于探索阶段,不可避免的出现一些问题。本文简析了村镇银行的发展现状,并结合河南省辉县珠江村镇银行发展中出现的品牌认知度低、人才与业务发展不适应以及金融产品缺乏特色等问题,提出一些针对性建议,以期促进村镇银行的进一步发展。

Since 2007,the establishment of vil age banks has provided powerful support for the construction and development of rural areas.But as a new phenomenon,the work is stil in the exploratory stage.Inevitably, there wil be some problems.This article analyzes the current situation of vil age banks’development,and combines with the Henan province of Huixian Pearl River Bank’problems,for example, brand awareness is low, personnel and business can not adapt to the development and financial product is lack of features. This paper puts forward some suggestions in order to promote the further development of rural banks.