改革开放以来，我国农村金融改革尽管取得了很大的成就，但在整个金融界 仍处于最薄弱的环节。农村金融机构覆盖率低、竞争不充分、农民收入低下等问 题非常严重，导致我国农村地区金融服务不到位，金融供给不足以及资源匮乏。 所以，当前设立村镇银行是解决农村金融问题的创新之举，也是加快促进新型农 村金融机构发展的方式，从而更好的加强和完善农村金融体系，支持新农村建设 和提高农村经济和谐发展的进程。因此，若能在资兴设立村镇银行便不仅能为资 兴农村金融供给提供新的渠道，促进资兴金融服务水平的整体提升，更有利于按 照工业反哺农业、城市支持农村、共同富裕起来的指导思想，从而让资兴市的农 民尽快富起来，农村经济也得到更好更快的发展。 本文就资兴市设立村镇银行的可行性研究进行了探讨和分析。运用管理学的 知识和 SWOT 分析法，对资兴市村镇银行的发展状况进行了分析。文章首先探讨 了一些国内外村镇银行发展的趋势，对资兴市设立村镇银行的可行性分析进行了 探讨，总结出了村镇银行的发展需要明确市场定位，同时还需要个性化的金融服 务和政府的相关政策支持。其次，对资兴市的经济金融发展状况，以及设立资兴 PF 村镇银行的可行性和必要性做了详细的阐述，并运用 SWOT 分析法对村镇银行 的发展所面临的问题进行了实证研究分析，指出了目前村镇银行发展的优势、劣 势、机会和威胁。最后对于资兴市村镇银行目前存在的状况，提出了未来几年的 业务发展目标和设立村镇银行发展的前景规划，并为村镇银行的发展提出了一些 可行性的意见和建议。 关键词：村镇银行 中小企业 SWOT 分析 可行性研究II Abstract Since the reform and opening up, our rural financial reform have made great achievements, but it is still in the weakest link of the financial community. The coverage rate of the rural financial institutions is low, the competition is not sufficient, and the income of the farmers is rather seldom. These lead to the bad financial services in rural areas, deficient financial supply and lack of resources. So, the Village bank is the innovation method to solve the rural financial problems and to speed up to promote the development of rural financial institutions. Then the rural financial system will be stronger and perfect , to support the construction of New Countryside and improve the harmonious development of rural economic. Therefore, if setting up the village bank in ZiXing, not only can provide new channel information for the rural financial supply, but can promote the service level of financial capital. And it is more advantageous to be based on the Guiding ideology Industry feeds back agriculture, City to support a country and common prosperity. So the city of farmers in ZiXing will be rich as soon as possible and the rural economy also get better and faster development. This paper has discussed and analyzed capital feasibility study of setting up the city town bank. Using the knowledge and management and the SWOT analysis method, This paper analyzes the development of the village bank in ZiXing. First of all, this article discusses the development trend of some domestic and foreign village banks, analyzes the feasibility of setting up the village bank in ZiXing, and gets the summary that to develop the village bank,we have to clear the market position, and at the same time need the support of personalized financial services and government policies. And then, this paper elaborates the economic and financial development condition and the feasibility and necessity of the establishment of the village bank in PE, ZiXing in detail. In addition, it uses of SWOT analysis method to analyze the problems that the village bank has faced in an empirical study, and it turns out to strengths, weaknesses, opportunities and threats of the development of the village bank at present. At last, this paper, aiming at the present existence condition of the village bank in ZiXing, proposes the business development objectives for the coming years and the prospect plan of setting up the village bank, and puts forward some feasible comments and suggestions for the development of the village bank. Key words: Village bank Small and medium-sized enterprises SWOT analysis Feasibility studyIII 目 录 摘要.......................................................................................................................... I Abstract ......................................................................................................................... II 第 1 章 绪 论..............................................................................................................1 1.1 选题背景与意义 ...............................................................................................1 1.2 相关理论与研究综述 .........................................................................................1 1.2.1 村镇银行的相关理论...................................................................................1 1.2.2.国外研究综述................................................................................................3 1.2.3.国内研究综述................................................................................................3 1.3 研究思路与主要内容 .........................................................................................5 1.4 研究方法与技术路线 .........................................................................................6 1.4.1 研究方法.......................................................................................................6 1.4.2 技术路线.......................................................................................................7 第 2 章 资兴市经济金融发展现状..............................................................................8 2.1 资兴市经济发展现状 .......................................................................................8 2.1.1 农业发展状况...............................................................................................9 2.1.2 工业和建筑业发展状况...............................................................................9 2.1.3 社会消费情况.............................................................................................10 2.1.4 综合发展规划.............................................................................................10 2.2 资兴市金融发展现状 .....................................................................................11 2.2.1 资兴市金融发展的基本情况.....................................................................11 2.2.2 资兴市金融发展的主要特点.....................................................................11 2.3 资兴市金融运行现状 .......................................................................................12 2.3.1 资兴市银行存款业务分析.........................................................................12 2.3.2 资兴市银行贷款业务分析.........................................................................13 2.3.3 资兴市金融机构盈利分析.........................................................................13 第 3 章 资兴市设立 PF 村镇银行的必要性及可行性.............................................15 3.1 资兴市设立 PF 村镇银行的必要性分析.........................................................15IV 3.1.1 缓解融资需求.............................................................................................15 3.1.2 促进产业转型升级.....................................................................................16 3.1.3 维护金融秩序稳定.....................................................................................17 3.2 资兴市设立 PF 村镇银行的有效性分析.........................................................17 3.2.1 经济金融发展迅速......................................................................................17 3.2.2 经济金融发展潜力较大..............................................................................17 3.2.3 信用经营环境明显改善.............................................................................18 3.2.4 区位优越、辐射力强.................................................................................18 3.2.5 相关政策的大力支持.................................................................................19 第 4 章 资兴市设立 PF 村镇银行的市场前景分析........