银行商业特许经营:村镇银行主发起行制之替代路径选择

发布时间：2018-01-22 02:08

本文关键词： 村镇银行 Bendigo社区银行商业特许经营主发起行制　出处：《武汉大学学报(哲学社会科学版)》2016年04期 　论文类型：期刊论文

【摘要】：银监会对村镇银行本地化、民营化的社区银行发展定位虽初步确定,但对主发起银行制度依然固守。主发起银行制度有其积极功用,但亦衍生了众多弊端,经济落后地区因众多银行不愿充当主发起银行而致村镇银行无法设立,经济发达地区的村镇银行又多被主发起行绝对控股而沦为主发起行的分支机构。澳大利亚bendigo社区银行所采用的银行商业特许经营模式,有主发起行制度之利,且无其弊,可完成主发起银行的制度替代,为我国村镇银行彻底民营化和专业化的兼得提供新的思考路径。
[Abstract]:Although the localization of village and town banks and the development orientation of privatized community banks are preliminarily determined, the CBRC still adheres to the main initiating banking system, which has its positive function, but it also has many drawbacks. In economically backward areas, village banks cannot be set up because many banks do not want to act as the main sponsoring banks. The village banks in the economically developed areas are mostly controlled by the host bank and become the branches of the main initiating bank. Australia bendigo Community Bank adopts the commercial franchise mode of the bank. There are advantages and no disadvantages of the main initiating bank system, so we can complete the system substitution of the principal initiating bank, and provide a new thinking path for the complete privatization and specialization of the village and town banks in our country.
【作者单位】：山东大学法学院;
【基金】：国家社会科学基金青年项目(16CFX047) 教育部人文社会科学基金青年项目(13YJC820004、14YJC820038)
【分类号】：D922.28
【正文快照】： 随着社会的前行,金融能否普惠已成为当代社会文明与公平程度的一项重要标尺,社会各阶层尤其是底层的金融服务获取权及其背后的普惠金融理念已成为各国政府努力的目标和方向。中国亦不例外,2015年底国务院发布了《国务院关于印发推进普惠金融发展规划(2016-2020年)的通知》,以

【相似文献】