摘要：十几年以来，对农村信用社改革的研究形成类似军阀割据的局面，各个学者所持态度不一，呼吁成立农村商业银行得到了不少学者的赞成，同样也吸引了国内外许多专业人士的研究兴趣。到目前为止，江苏农村金融机构种类多而杂，商业银行、农村信用社、村镇银行、多种种类的金融机构互存。中国银监会等有关部门即刻指明了要加快步伐，促进农村信用社和农村合作银行向农商行转型的重要提示，来适从“三农”发展的急切需求，力求让农商行这类新型独立的金融机构成为拉动中国农村金融发展的领头羊。50472

本文从可持续发展的内容着手，明确阐述了可持续发展的含义，在这个基础上更深一层分析了江苏省农商行可持续发展的有关问题。首先，对江苏农村商业银行可持续发展的含义给出评定，指出了农村商业银行可持续发展的困难。然后，对江苏农村商业银行进行SWOT分析，得出农村商业银行可持续发展面临的威胁与机会。最终，指出农商行为实现可持续发展，要遵照的相关建议和对策。

毕业论文关键词：农村  商业银行  可持续发展  SWOT分析  

Research on sustainable development of rural commercial banks in Jiangsu

Abstract: Since more than ten years, the research on the reform of rural credit cooperatives formed similar warlords situation, various scholars held attitudes, called for the establishment of rural commercial banks in favor of many scholars, has also attracted many professionals at home and abroad research interest. Up to now, there are many types of rural financial institutions in Jiangsu, commercial banks, rural credit cooperatives, rural banks, and other types of financial institutions. China Banking Regulatory Commission and other relevant departments immediately pointed out the to speed up the pace, promote the transformation of rural credit cooperatives and rural cooperative banks to agricultural businesses important tips, adapted from the urgent need of the development of "agriculture, countryside and farmers", and strive to make agricultural businesses in the new independent financial institutions to become the leader in the development of China's rural finance to pull.

The content from the sustainable development to proceed, a clear explanation of the meaning of sustainable development, on the basis of a deeper analysis the problems related to the sustainable development of Jiangsu rural commercial bank. First of all, the sustainable development of rural commercial banks in Jiangsu, the definition of assessment, pointed out the difficulties of sustainable development of rural commercial banks. Then, the SWOT analysis of Jiangsu rural commercial banks, the threats and opportunities faced by the sustainable development of rural commercial banks. Finally, to achieve sustainable development, agricultural firms to comply with the relevant recommendations and countermeasures.

Key Words: rural, commercial banks, sustainable development, SWOT analysis

目　录　

一、绪论1

（一）研究背景1

（二）研究意义1

（三）文献综述2

二、江苏农村商业银行可持续发展的内容.4

三、江苏农村商业银行实施可持续发展的含义4

四、江苏农村商业银行可持续发展的SWOT分析5

（一）江苏农村商业银行进行SWOT分析的必要性..5

（二）江苏农村商业银行SWOT分析.6

1.外部威胁6

2.外部机会.8

3.内部劣势9

4.内部优势10

五、江苏农村商业银行可持续发展的对策11

（一）找准市场定位，形成自身的核心竞争力11

（二）扩大业务面，加强创新性.12

（三）加强并改善人才培养机制13.