摘要:改革开放以来,我国农村金融市场得到了飞速发展,但是相对于整
个体系而言,仍然是比较薄弱的一环。怎样解决农村金融市场的供求服务失衡,
完善健全整个金融服务是社会上各界人士一直注视的焦点。2006年12月,国
务院对农村金融服务市场放宽了其准入条件,以此动员大型商业银行等主要金
融机构关注农村金融市场,进而幵展相应服务,增加对农村市场的供给。在一
段时间内该举措有效的缓解了农村金融市场供给相对紧张的情况,可是也出现
了一些问题:如今主要的农村金融机构农村信用合作社的服务供给能力不足,
商业银行对进入农村金融市场存在疑虑,未能有效解决供给不足的现状,而且
在进入模式选择上十分单一,不能很好的实现和农村合作社等已有金融机构的
完整对接;另外,商业银行设立的分支机构在可持续的发展上和盈利管理上前
景不看好,导致其在经营决策和定位上有一定出入。外资银行现阶段也只是以
设立村镇银行和实施中小企业贷款的方式在探索,不能发挥巨大推动作用。
本论文首先对农村金融相关理论进行了详细梳理,阐述了近段时间理论发
展的情况。同时,回顾了我国农村金融市场的发展历程,总结了发展中积累的
经验和存在的问题。据此,以SWOT理论为框架,详细分析了 XX银行在拓
展农村金融市场中所拥有的自身优势与存在的不足,指出了其在现阶段所面临
的各种机会和威胁,并据此提出了 XX银行发展农村金融市场的相关政策性建
议,为其进入和打开农村金融市场提供了理论保障和有效依据。
关键词:农村金融市场 商业银行 SWOT分析

The XX Bank's idea of expanding rural financial market

Abstracts : Since the reform and opening up, China's rural financial market

has been rapid development, but relative to the entire system, is still the weakest

link. How to solve the supply and demand of the rural financial market services

imbalances, perfect to ensure the soundness of the entire financial services has been

the focus of people from all walks of life in the community. In December 2006,the

State Council relaxed rural financial services market access conditions, in order to

mobilize the large commercial banks and other major financial institutions to focus

on rural of financial markets, and then carry out the corresponding service, increase

the supply of rural markets. Effective mitigation of the initiatives in the period of

time the rural financial market is relatively tight supply situation, but some

problems appeared: Today, the main supply of rural financial institutions in rural

credit cooperatives to inadequate commercial banks to enter the rural financial

market concerns, has failed to effectively address the insufficient supply of the

status quo, and very single entry mode choice, not a good implementation and

complete the docking of the existing financial institutions such as rural

cooperatives; addition, the commercial banks to set up branches in sustainable

development on earnings management are not optimistic about the prospects in

business decision-making and positioning must access. Stage of the foreign banks

to set up rural banks and implementation of SME loans only to explore, you can not

play a huge role in promoting.

This article first details combing rural financial theory, expounded Recently

theoretical development. At the same time, a review of the course of development

of China's rural financial market, summed up the experience accumulated in the

development and existing problems. Accordingly, SWOT theory as a framework, a

detailed analysis of the XX banks in expanding rural financial markets have their

own advantages and shortcomings, pointed out at this stage to face the

opportunities and threats, and accordingly proposed XX Bank related to the

development of the rural financial market policy recommendations, its entry and

open rural areas to enter the market to provide the the theoretical protection and

effective basis.

Keywords: Rural Financial Market Commercial Bank

SWOT Analysis

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