The birth of village bank is a major landmark event in China, it improves and perfects the Chinese financial system. Firstly for the market positioning governors is in the rural economy, rural development, rural demography, but in the next three years of practice village banks showed a departure from "san nong". This article will analyse the causes from the rural finance demand. supply and governors. Finally the article presents a series of policy recommendations.%村镇银行的出现是我国金融发展史上的一大标志性事件,对我国金融体系的完善起着重大作用,监管层对其市场定位是在县域内农民、农业和农村经济上,但在随后三年多的实践中,村镇银行却表现出了明显的偏离"三农"倾向.本文将就这一问题从县域经济中的资金需求方、资金供给方即村镇银行和监管方三个方面予以分析,并提出了适当的政策建议.
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