村镇银行经营行为趋势与发展方向——基于对四川省村镇银行的实证分析

发布时间：2018-04-23 06:42

本文选题：村镇银行经营行为 + 创新与不足　；参考：《现代经济探讨》2010年12期

【摘要】：村镇银行在产权组织形式、资金定价机制、信贷模式、产品设计等方面的创新取得了一定成效,但也存在贷款脱农化、信贷规模化、业务同质化,偏离三农倾向,业务拓展受到资金来源、政策限制、外部环境等制约,高度依赖发起行,赢利模式的长期可持续性不明朗等问题。该文认为,村镇银行应明确办行方向,准确定位,加强自身建设,同时应加强监管引导与风险监测,完善央行货币政策支持与金融服务措施,强化财税政策支持,优化村镇银行的外部经营环境,促进村镇银行健康发展。
[Abstract]:Village banks have made some achievements in the innovation of property right organization, capital pricing mechanism, credit model, product design and so on, but there are also the tendency of loan delamination, credit scale, business homogeneity, deviation from agriculture, rural areas and farmers. Business expansion is restricted by the source of funds, policy constraints, external environment, highly dependent on the initiation bank, and the long-term sustainability of profit model is not clear and so on. The paper holds that village banks should make clear the direction of operation, accurately position themselves and strengthen their own construction. At the same time, they should strengthen supervision and guidance and risk monitoring, improve the central bank's monetary policy support and financial service measures, and strengthen fiscal and tax policy support. Optimize the external operating environment of village banks and promote the healthy development of village banks.
【作者单位】：四川大学经济学院;
【分类号】：F832.2

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