Since reform and opening up, along with the continuous development of economy, ease access policy to ifnancial institutions have promoted full development of bank industry in our country. Among which , village banks development accelerates reviving of rural economy in our country. But at the same time, because of restraints of geography factors, trafifc factors and so on, there are many bottleneck problems such as shortage of funds, settlement difficulty, insufficient internal control monitoring and shortage of talents and so on, and?it?is embodied mainly in operation management mechanism unsound and financing difficulty. In order to solve these problems, only to make an analysis to development situations and bottleneck problems of village banks, and to put forward relevant solutions, village banks serve three agricultures of rural ifnancial system in our country better.%改革开放以来,随着经济的不断发展,金融机构准入政策的放宽,推动了我国银行业的充分发展.而其中,村镇银行的发展促进了我国农村经济的复苏,而在支持农村经济发展的同时,由于受地理、交通条件等因素的限制,村镇银行自身发展存在资金来源不足、结算难、内控监控力度不够、人才缺乏等瓶颈问题,其主要表现为运行管理机制不健全和融资困难.为了解决这些问题,只有对村镇银行的发展现状及瓶颈问题进行分析,并提出相关的解决对策,才能推进村镇银行在我国农村金融体系中服务"三农"的作用.
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