研究生签名： 时间： 年 月 日
导师签名： 时间： 年 月 日I
摘要
长期以来，农村金融服务匮乏一直是制约农村经济发展的重要瓶颈之一。为解决农村地区银
行业金融机构及金融服务供给不足等问题，银监会调整了农村地区银行业金融机构的准入门槛，
以促进农村金融的多元化发展。五家渠国民村镇银行作为新疆维吾尔自治区首家村镇银行、兵团
首家法人银行对于促进地区农村金融发展水平的提升、缓解城乡金融发展不平衡起到了重要的作
用。但是在经济“新常态”以及“一带一路”战略背景下，如何促进五家渠国民村镇银行健康、
快速发展，突破发展瓶颈，选择合适的发展模式是关键

本文针对现阶段五家渠国民村镇银行的发展现状进行了研究，在充分了解了其发展困境以
后，对其发展模式进行了选择并提出了相应的政策建议。本文分为三部分：第一部分包括第一
章，主要对本文研究的背景、意义、研究综述和方法等进行了介绍；第二部分包括第二章、第三
章，主要对五家渠国民村镇银行的发展现状以及面临的发展环境进行了分析；第三部分包括第四
章和第五章，主要对五家渠国民村镇银行的发展进行了定位并对其发展模式进行了选择

本文最后得出研究结论如下：(1)五家渠国民村镇银行定位于以温饱型农户和涉农中小企业为
主要服务对象和客户群体，以农户个人及中小企业小额借贷为主要发展业务，以促进团场及农业
产业化发展。(2)五家渠国民村镇银行的发展模式为以兵团党政支持为依托，发展资本结构以民营
资本为主体，服务对象以新疆垦区中小企业和团场农牧职工为主体，严格按照现代企业制度运
行，将维持本土经营模式和直接参股模式相结合，实行混合模式发展道路，以促进五家渠国民村
镇银行的进一步发展

关键词：五家渠；国民村镇银行；定位；发展模式II
Abstract
For a long time， the lack of rural financial services has always been one of the important
bottlenecks restricting the development of rural economy. In order to solve the problem of insufficient
supply of banking financial institutions and financial services in rural areas， China Banking Regulatory
Commission adjusted the entry threshold of banking financial institutions in rural areas to promote the
diversified development of rural finance. Wujiaqu national village banks as Xinjiang Uyghur Autonomous
Region of the first village bank，First Corps corporate banking to promote the level of financial
development in rural areas of promotion， alleviate urban and rural financial development imbalance
plays a important role. But in the new normal and The Belt and Road strategy background， how to
promote the national village banks of Wujiaqu healthy and rapid development， break the bottleneck of
development， choose the appropriate development mode is the key.
This article in view of the current situation of the development of the present stage Wujiaqu national
village banks， were studied， and a full understanding of the plight of its development in the future，
the development model selection and puts forward the corresponding policy recommendations. This paper
is divided into three parts: the first part includes the first chapter， mainly the research background，
significance， research methods and are introduced； the second part includes the second chapter and
the third chapter， mainly of Wujiaqu national village banks development present situation and faces the
development environment were analyzed； the third part includes chapter four and chapter five， mainly
on the development of Wujiaqu national village banks positioning and the development mode of choice.
At the end， the article draws conclusions of the study are as follows: (1) Wujiaqu national village
banks positioning to subsistence farmers and agriculture of small and medium-sized enterprises the main
object of service and customer groups， to individual farmers and small and medium-sized enterprises
microfinance as a major business development to promote the farms and agricultural industrialization
development. (2) Wujiaqu national village banks development model in BINGTUAN party and
government support to rely on， the development of the capital structure to private capital as the main
body， service object to Xinjiang reclamation area of small and medium-sized enterprises and farms
farming and animal husbandry workers as the main body， strict according to the modern enterprise
system will maintain the business model and the direct participation model combination and
implementation of mixed mode development path， in order to promote the further development of
Wujiaqu national village banks.
Key words: Wujiaqu； national village banks； positioning； development modeIII
目 录
摘要...I
Abstract ..........II
第一章 绪论 1
1.1 研究背景和意义..... 1
1.1.1 研究背景..... 1
1.1.2 研究意义..... 2
1.2 研究综述..... 3
1.2.1 国外相关研究......... 3
1.2.2 国内相关研究......... 4
1.2.3 新疆地区相关研究. 6
1.3 方法和技术路线..... 6
1.3.1 研究方法..... 6
1.3.2 技术路线..... 7
1.4 内容安排..... 7
1.5 小结. 8
第二章 理论基础...... 9
2.1 村镇银行的概念与特特征. 9
2.1.1 村镇银行的内涵..... 9
2.1.2 村镇银行的特征..... 9
2.2 金融生态理论......... 9
2.2.1 金融生态内涵......... 9
2.2.2 金融生态系统构成. 9
2.2.3 金融生态演化与选择机制........... 10
2.3 金融共生理论....... 10
2.3.1 金融共生概念....... 10