黄河三角洲发展村镇银行必要性_可行性及对策研究.pdfVIP

, Journ l ofAnhuiAgr.i Sci. 2010, 38( 24) : 13486- 13488 马卫鹏 况玲玲 1 2 孙金凤 , 周学声 ( 1. (), 257061; 2. , 131100) 综述了新型农村金融机构在黄河三角洲地区的发展现状, 指出金融机构 推动了 三农!经济的发展, 但由于资金紧张以及亏损 等原因, 营业网点较少, 不能以更好地服务 三农!介绍了黄河三角洲地区发展村镇银行的必要性: 一是村镇银行能以更灵活的体制和 管理方式为 三农!服务; 二是村镇银行能够更好地服务和支持 三农!中的弱势群体; 三是村镇银行是黄河三角洲全面发展 三农!事业 的有力补充; 四是村镇银行在服务 三农!方面优势明显从政策优势环境优势经济优势 3 个方面分析了黄河三角洲地区发展村镇银 行的可行性探讨了黄河三角洲地区村镇银行发展面临的挑战: 一是村镇银行短期收益难以见效; 二是村镇银行资本金数据较大; 三是 竞争和经营压力较大提出了黄河三角洲地区村镇银行发展的对策: 一是明确区域内村镇银行服务对象; 二是以点带面, 辐射发展; 利 用 IT技术降低信息不对称风险 黄河三角洲; 村镇银行; 农村经济; 发展对策 F127 A 0517- 6611( 2010) 24- 13486- 03 Research on Developing Village and Town Bank in Yellow R iver Delta SUN Jinfeng et al ( College of Economy ndM n gement, Chin U niversity of Petroleum( E st Chin ), Dongy ing, Sh ndong 257061) Abstract The st tust quo of newtype rur l fin nci l institutions in theY ellow R iver delt is summ rized. It is pointed out th t these fin nci l institutions h ve mi proved the developm ent of economy concerning griculture, rur l re s nd pe s nts, but due to the short ge of c p it ,l deficit nd m ny other re sons, the outlets is fewer, which c n not serve the griculture, rur l re s nd pe s nts wel.l The necessity of devel oping rur l b nks in theYellow R iver delt is introduced: firstly, rur lb nks c n serve the griculture, rur l re s nd pe s ntsw ellw ith flex ible system nd m n gementmethods. Secondly, rur l b nks c n serve nd support the vulner ble groups of the three rur l issues concerning griculture, countryside nd f mersw ell. Th irdly, rur lb nks provide strong support for the ll round developm ent of rur lbusiness concern ing the gr iculture, rur l re s nd pe s nts. Fourthly, rur l b nks h ve signific nt dv nt ges in serving the griculture, rur l re s nd pe s nts. The prob bility of developing rur l b nks in theY