摘要
大湘西地区作为湖南省相对落后与贫困的偏远地区,其经济的发展、产业结构调整、基础设施建设等均需要大量资金,而2015年大湘西地区存贷比仅为50.98%,表明现有金融机构提供的金融支持远不能满足经济发展的资金需求,而村镇银行的设立在一定程度上能缓解该地区资金供求矛盾。但作为新的金融机构,村镇银行在运行中还存在很多问题亟待解决。本文重点论述了大湘西地区村镇银行在发展中面临的困境及解决对策,旨在促进该地区村镇银行的快速发展,从而为大湘西地区经济的发展提供更好的金融支持。
As a relatively backward and poor area in Hunan province, the western region of Hunan province needs funds for its economic development, industrial structure adjustment and infrastructure construction, while the deposit ratio in this area was only 50.98% in 2015, indicating that the existing financial institutions can＇t meet the financial needs of the economic development,, and the establishment of rural banks can help to ease the contradiction between supply and demand of funds to some extent. But as new financial institutions, these banks still have many problems in their operation. This paper focuses on the dilemma faced by rural banks and countermeasures, aiming to promote the rapid growth of rural banks in western Hunan, which can provide a better financial support for the economic development of Western Hunan.
出处
《湖南商学院学报》
2016年第4期106-111,共6页
Journal of Hunan Business College
基金
湖南省教育厅基金项目(09C572)
湖南省社会科学基金项目(2013YBA189)
关键词
大湘西地区村镇银行
资金来源
涉农产品
员工素质
rural banks in the western Hunan
source of fund
agriculture-related products
staff quality
