摘要：在全面深化改革，推进城镇化健康发展，农村商业银行以其特殊的服务对象，主要以满足“三农”需要为经营准则，同时兼顾城乡经济协调发展为目标，对“三农”发展中出现的问题做出了很大的贡献，在经济形势愈加复杂多变情况下，农商行就如何更好的利用自身的优势，在坚持不断为“农民、农村、农业”服务，加快发展农村经济事业，推动农民创造美好生活时，不失时机的发展拓宽自己进行探讨。文中首先对农村商业银行现状进行了解，以上杭农村商业银行为例，通过研究上杭农村商业银行的特色业务，分析其对当地农村经济发展的促进作用，其中农商行所扮演的角色，并从中寻找不足之处、当前面临的主要矛盾等。最后根据其面临的主要矛盾，从机制体制、企业文化等方面提出一些建议性的措施。 

关键词：农村商业银行 农村金融 银行信贷管理

Abstract: In deepening the reform comprehensively, and promote the healthy development of urbanization, rural commercial bank with its special service object, mainly to meet the "three rural" need for the operating guidelines, while taking into consideration the coordinated development of urban and rural economy as the goal, made a great contribution to the "three rural" problems in development, in the economic situation is more complex and changeable situation use its own advantages, agricultural businesses on how to better, to continue to "farmers, rural, agriculture" service, speed up the development of rural economy, promote the farmers to create a good life, seize the opportune moment to expand their. In the first part of the status of rural commercial bank to understand, or hang rural commercial bank as an example, through the study of Shanghang rural commercial bank, the characteristics of business, analysis of its role in promoting the development of local rural economy, the commercial bank's role, and find out the shortcomings, the current main contradiction. Finally, according to the main contradiction in the face, and put forward some suggestions and measures from the system, corporate culture and so on.

Key word: Rural Commercial Bank  Rural finance Bank credit management