目 录
一、农村商业银行组建的背景及意义·································3
（一）农村商业银行组建的背景及动因···································3
（二）农村商业银行组建的意义·········································5
二、农村商业银行在发展过程中面临的困境和约束······················5
（一）农村商业银行在发展过程中面临的困境·························5
（二）农村商业银行在可持续发展过程中受到的约束······················7
三、农村商业银行的可持续对策和改革深化·····························7
（一）赋予农村商业银行明确的法律地位·····························8
（二）调整产权制度和公司治理结构···································8
（三）改革人民银行的监管政策和监管体系·····························8
（四）强化内部和外部的基础设施建设·································8
四、结语····························································9
参考文献························································10
内容摘要
农村商业银行，作为我国农村信用合作社改革试点的产物，其产生有着深刻的历史和现实因素，同样也面临着众多的问题和困境，尤其以从农村信用合作社向农村商业银行改制过程中遗留下的问题最为突出。目前农村合作金融、商业金融、政策性金融相结合的新农村金融体系已经形成，伴随银行业自身的高速发展，各种风险不断积累扩大。因此，在世界金融危机形势下，对农村商业银行的发展对策进行探究，具有重要意义。
关键词：农村商业银行 农村信用社 可持续问题 金融改革
