44村鎮银行的可持续发展.doc

村镇银行的可持续发展 摘要：改革开放三十年来,农村金融改革取得了巨大成就,但在整个金融体系中仍然是最薄弱的环节。农民收入低下,金融供给不足,虹吸现象严重,导致农村地区的金融资源匾乏、金融服务不到位。为了缓解以上矛盾,2006年12月20日,中国银监会发布5关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见6,允许在农村金融市场新设村镇银行贷款公司和农村资金互助社随后,村镇银行如雨后春笋般地发展起来。作为一种崭新的农村金融组织形式,村镇银行的建立可谓是开放中国农村市场的大胆尝试,但是由于村镇银行是新生事物,如何生存并持续发展是一个十分关键的问题。 村镇银行作为一种新型农村金融机构，它的产生将完善我国农村金融市场体系和农村金融服务，但在其目前发展中存在着内部的信用风险、股本设置、资金来源、准入门槛、高素质人才的困境和外部的政策扶持、金融监管的困境，该文基于此进行探讨，从内部和外部提出了可行性的发展路径。 关键词：村镇银行；可持续发展；发展策略 Sustainable development of the rural banks Zhanglizhe （0，Department of International Trade，Zhengzhou ShengDa College of Economic Trade Management，Zhengzhou 451191） Abstract：Three decades of reform and opening up, the rural financial reform has made great achievements, but still the weakest link in the financial system as a whole 。low income of the farmers, lack of financial supply siphon serious plaque lack the financial resources of the rural areas of financial servicesplace 。in order to alleviate the above contradiction, December 2。， 2006, the China Banking Regulatory Commission released 5 on the adjustment of financial institutions with banking policy to relax the rural areas to better support a number of views of the new socialist countryside construction, allowing the financial markets in rural newsubsequently set up rural banks and loan companies and rural credit union funds, rural banks have mushroomed developed 。as a new form of rural financial organizations, the establishment of village banks can be described as a bold attempt to open Chinas rural market, but due to rural banksnew things, how to survive and sustainable development is a crucial issue Village banks as a new type of rural financial institutions, it generates will improve Chinas rural financial market system and rural financial services, but there is an internal credit risk in its current development, equity set, sources of funding, access threshold, high-qualitythe plight and external policy support, the plight of the financial regulators, the text-based explor