村镇银行可持续发展的瓶颈制约及推进机制研究.pdfVIP

金融论苑| Finance Forum 村镇银行可持续发展的瓶颈制约 及推进机制研究 □唐晓旺 [ ] 摘 要 银监会调整放宽农村地区银行业金融机构准入政策实施以来，村镇银行蓬勃发展，已经成为我国农村金融的一支重 要生力军。与此同时，村镇银行在发展过程中也暴露出很多问题，吸储难、结算难、内控弱、人才缺、环境差已经成为制 约其进一步发展的瓶颈。基于此，构建村镇银行可持续发展的推进机制，对于扩大农村金融的有效覆盖，优化农村金 融市场结构，防范和化解农村金融潜在风险都具有重要的现实意义。 [ ] 关键词 村镇银行;瓶颈制约;推进机制 [ 中图分类号] [ 文献标识码] [ 文章编号] ( ) F832． 35 A 1006 － 5024 20 11 05 － 0 190 － 03 “ ” [ ] ( ) 基金项目 年河南省软科学研究计划项目 农村小型金融机构发展的瓶颈制约与风险防范研究 批准号: 20 11 112400450 156 [ ] ( ) 作者简介 唐晓旺，河南省社会科学院经济研究所助理研究员，经济学硕士，研究方向为财政金融。 河南郑州 450002 Abstract: Since CBRC relaxed the access policy of the banking financial institutions rural areas ， villages and township banks have very quickly develop ， and has become an important power of countryside finance． Meanwhile ， village and township banks have displayed many problems in the development process of countryside banks． The difficulty of absorbing deposits ， the difficulty of capital settlement ， and the weakness of the internal control mechanism and so on have become the bottleneck of restricting its further development． Based on this ， it is realistic significance to construct the impetus of promoting mechanism to speed up the development of countryside bank ， expanding the effective rural financial cover ， and optimizing the structure of rural fi- nancial market ， and preventing and defusing the rural financial potential risks． ; ; Keywords: countryside bank bottleneck restriction promoting