外资银行进入农村金融市场的原因及影响

外资银行进入农村金融市场的原因及影响
摘 要：目前我国农村金融市场仍是我们金融体系中最薄弱的环节，二元经济使得农村服务缺失，导致农村资金大量外流，农村金融市场成本高收益少的特点使得国内大部分银行撤出农村金融市场。而在此形势下，外资银行却进入农村金融市场，本文通过根据当前农村金融市场的背景研究外资银行进入农村金融市场的原因，并且分析外资银行的进入所带来的有利影响和不利影响，最后提出一些外资银行在农村金融市场发展的建议。
关键词：贷款需求；三农问题；国家优惠政策；影响

The Causes and Effects of Foreign Banks Entering Rural Financial Market

    Abstract: At present, China's rural financial market is still the weakest link in our financial system.Dual economy in rural areas lack of services, leading to outflows of capital in rural areas, rural financial markets, high-yield low cost features make the most of the banks to withdraw from the rural financial markets. In this situation, foreign banks have access to rural financial markets. In this paper, based on the current context of the rural financial market study of foreign banks into the rural financial market reasons, and analysis of the entry of foreign banks arising from the beneficial effects and adverse effects, and finally to make some development for foreign banks in rural financial market.
Key words: Demand for loans ; Three rural issues; National favourable policies; Impact
目    录

一、引言………………………………………………………………………………1
二、外资银行进入农村金融市场的原因……………………………………………1
（一）二元经济使得农村金融服务缺失 ………………………………………1
（二）农村资金外流情况严重 …………………………………………………2
（三）建立农村金融市场成本高、风险大、收益少 …………………………3
（四）中国农村市场的巨大潜力 ………………………………………………3
（五）国家政策的支持 …………………………………………………………4
（六）城市市场竞争激烈 ………………………………………………………5
三、外资银行进入农村金融市场带来的影响………………………………………6
（一）外资银行进入农村金融市场带来的有利影响 …………………………6
（二）外资银行进入农村金融市场带来的不利影响 …………………………7
四、外资银行进入农村金融市场的对策……………………………………………9
五、结束语 …………………………………………………………………………10
参考文献 ……………………………………………………………………………11

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