我国村镇银行发展问题研究

村镇银行作为一种新型农村金融机构，给当地农户及涉农企业带来了融资帮助、填补我国农村金融的空白，同时也在发展中存在一定障碍。文章以我国村镇银行现状和吉林省三家村镇银行发展情况为背景，分析了村镇银行在发展中存在的问题，包括资金来源不足、规模小、发起人难找、金融生态环境欠佳、贷款风险高等问题，并提出相应改革策略。

The Research of Issues in Chinese Rural Bank Development

As a new rural financial institutions business, the rural bank is helpful in rural financing and filling the vacancy of Chinese rural finance. But there is also some hurdles in the development of rural bank. On the base of present state of Chinese rural financial and three rural banks in Jilin province, the paper had analyzed the impediment as shortage of finance resources, small-scale, promoters hard to find, poor rural financial environment, high risk etc. In the meantime, put forward series of development countermeasure.