大银行、小机构与好服务——大中型商业银行推进新型农村金融机构发展的实践与思考

发布时间：2018-01-26 11:25

本文关键词： 国有商业银行农村金融机构贷款公司大中型银行业大银行村镇农村商业银行城市商业银行农村市场　出处：《中国金融》2010年03期 　论文类型：期刊论文

【摘要】：近年来,在各方推动下,我国新型农村金融机构得到一定的发展,但是有一个值得关注的问题是,村镇银行、贷款公司等新型农村金融机构的组建者多为城市商业银行、农村商业银行等中小型银行,大型商业银行的身影难觅。近期,中国银监会召开大中型商业银行参与培育新型农村金融机构工作座谈会,要求大中型银行要在新型农村金融机构的培育发展过程中发挥重要作用。应该说大型银行支持发展新型农村金融机构是具有多方面优势的,那么为什么它们的积极性并不高呢?这个问题值得思考。中国建设银行是较早涉足新型农村金融机构的大型银行之一,湖南桃江建信村镇银行开业第一年就实现了盈利,而它们最初的经营预期是第三年才可能会盈利。在推动新型农村金融机构的发展中大银行有怎样的考虑?本期一线话题围绕"大银行"如何在推进新型农村金融机构发展中做好"小机构"的"小服务"话题进行探讨。参与讨论的嘉宾是:中国建设银行湖南省分行行长龚蜀雄,对外经贸大学教授、中国金融学会常务理事吴军,中国社科院农村金融研究所小额信贷研究室主任孙同全。
[Abstract]:In recent years, under the promotion of various parties, the new rural financial institutions in China have been developed to a certain extent, but there is a problem worth paying attention to, village banks. Loan companies and other new rural financial institutions for the formation of most of the urban commercial banks, rural commercial banks and other small and medium-sized banks, large-scale commercial banks are difficult to find. The China Banking Regulatory Commission held a forum on the work of large and medium-sized commercial banks to participate in the cultivation of new rural financial institutions. Large and medium-sized banks are required to play an important role in the cultivation and development of new rural financial institutions. It should be said that large banks to support the development of new rural financial institutions has many advantages. So why aren't they very motivated? China Construction Bank is one of the large banks that set foot in the new rural financial institutions earlier, and the bank of Jianxin Village in Taojiang, Hunan Province has been profitable in its first year of operation. Their initial operating expectation is that they will not be profitable until their third year. What are the big banks considering in the development of new rural financial institutions? This issue focuses on how "big banks" can do a good job of "small services" in promoting the development of new rural financial institutions. The participants in the discussion are:. Gong Shuxiong, president of the Hunan Branch of China Construction Bank. Wu Jun, Professor, University of Foreign Trade and Economics, Executive Director of China Finance Society, Sun Tongquan, Director, Microfinance Research Institute, Institute of Rural Finance, Chinese Academy of Social Sciences.
【分类号】：F832.2
【正文快照】： 参与新型农村金融机构培育——大银行的困难与现实考虑记者:请问龚蜀雄行长,湖南桃江建信村镇银行已经开业一年了,现在的运行情况怎么样?对于建行来说,当初成立村镇银行的初衷是什么?龚蜀雄:桃江建信村镇银行由建行总行筹建,湖南省分行受总行委托托管,开业一年至今,运行情况

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