目前大多数村镇银将主营业务定位在对中小企业进行金融支持,而且由于村镇银行数量、规模有限,使得广大基层农民无法获得贷款服务。本文通过对“脱农化”现象成因及中小企业生产时所具有的正外部性进行分析,认为在目前村镇银行的发展仍处在初级阶段的情况下,村镇银行重点支持中小企业的发展是正确的。 At present, most village and town banks target their main businesses to provide financial support to small and medium-sized enterprises. Due to the limited number of rural banks, grassroots farmers can not obtain loan services. Based on the analysis of the cause of “de-agriculturalization” and the positive externality of small and medium-sized enterprises, this paper argues that in the current situation that the development of rural banks is still at the primary stage, the rural banks mainly support the development of small and medium-sized enterprises is correct.