村镇银行是专门服务于农民、农业和农村经济发展的银行业金融机构,其设立在很大程度上弥补了我国农村金融服务的不足,促进了农村经济的发展。然而由于农业的弱质性决定了其生产经营易受自然条件的制约和市场行情的左右,因此,与一般商业银行相比,村镇银行的贷款违约风险更大、更复杂。近年来,广州市番禺区人民法院(以下简称番禺法院)受理的以村镇银行为原告的金融借款合同纠纷案件呈上升趋势,2014年全年,番禺法院共审结涉村镇银 Villages and Towns Bank is a banking financial institution that specializes in the economic development of peasants, agriculture and rural areas. The establishment of rural banks is to a large extent compensated for the shortage of rural financial services in our country and promoted the development of rural economy. However, because the weakness of agriculture determines that its production and management are easily constrained by natural conditions and market conditions, the risk of loan default by rural banks is more and more complex than that of commercial banks. In recent years, Guangzhou Panyu District People’s Court (hereinafter referred to as the Panyu Court) accepted the rural bank as the plaintiff’s financial loan contract dispute cases are on the rise. In 2014, Panyu Court concluded a total of related village and town silver