我国单一银行制的实践研究

发布时间：2018-05-15 02:29

本文选题：单一银行制 + 总分行制　；参考：《湖北社会科学》2010年04期

【摘要】：所谓单一银行制,是指业务经营中的商业银行具有独立的法人资格,不设或少设分支机构的银行制度。小型金融机构是单一银行制在我国的伟大实践。长期以来,我国传统的农村金融组织都属于总分行制银行下属的分支机构。这种金融机构无法扎根农村,服务"三农";引入单一银行制,可以形成自由竞争的环境,提高农村金融服务质量;有利于协调银行与地方政府的关系,更好服务当地经济;形成银行自身的信息优势和成本优势;管理层次少,有利于金融监管当局的管理和控制。在发展单一银行制时,不能将单一银行制金融机构理解成完全没有分支机构,不能将单一银行制的业务范围限定在县域之内,不能将单一银行制银行的市场划定为"三农",不要以为引入单一银行制就能自动解决农村金融供给不足的问题,不要用老办法监管单一银行制金融机构,不能将单一银行制金融机构与分行制银行对立起来。
[Abstract]:The so-called single banking system refers to the banking system in which commercial banks have independent legal personality and have no or less branches. Small financial institution is the great practice of single bank system in our country. For a long time, the traditional rural financial organizations in our country belong to the branches of the branch bank. This kind of financial institution can not take root in the countryside, serve the "three rural areas", introduce the single bank system, form the environment of free competition, improve the quality of the rural financial service, coordinate the relationship between the bank and the local government, and serve the local economy better. The information advantage and cost advantage of the bank are formed, and the management level is less, which is beneficial to the management and control of the financial supervision authority. In the development of a single banking system, a single banking financial institution cannot be understood as having no branches at all, and the scope of business of a single banking system cannot be limited to the county territory. The market of a single bank system should not be classified as "three rural areas, rural areas". We should not think that the introduction of a single bank system can automatically solve the problem of insufficient financial supply in rural areas, and do not use the old methods to supervise single banking financial institutions. A single banking institution cannot be opposed to a branch bank.
【作者单位】：武汉工程大学经济管理学院;
【分类号】：F832.2

【参考文献】