摘要
从镇银行的地区分布、主发起行类别、注册资本及支农服务等基本情况分析,村镇银行能够有效改善农村金融服务状况。然而,村镇银行向东部发达地区集中,主发起行设立村镇银行的动机不纯,村镇银行在支农道路上逐渐偏离了银监会的政策目标;基础设施和支农政策不完备及民间资本参与村镇银行的热情度锐减,使得村镇银行发展困难。为此,国家应拓宽市场准入深度,有序引导民间资本进入村镇银行,完善其运营系统和环境,健全涉农贷款的激励约束机制,同时探索建立纵向分层的村镇银行监管模式,以促进村镇银行健康成长。
This paper analyzes village banks on their geographical distribution, categories of main bank setting up the village bank, registered capital and the special service in supporting agriculture, then we find it can improve the status of rural financial service. Yet, village banks centralize to the eastern region, the motivation of setting village bank is impure, and village banks in supporting agriculture deviated from the path of the CBRC’s policy objectives; its infrastructure and policy in supporting agriculture is not complete, and the enthusiasm of private capital participating in village bank drops, then the village banks grow difficultly, so government should broaden the market access, guide private capital into village banks orderly, improve its operating system and the environment, sound the incentive and restraint mechanisms on agriculture-related loans, while explore and establish the vertical stratification supervision pattern, delegates regulatory authority to local government to get the healthy growth of village banks.
出处
《湖南大学学报（社会科学版）》
CSSCI
北大核心
2013年第1期57-62,共6页
Journal of Hunan University(Social Sciences)
基金
国家软科学项目<中国包容性农村金融体系构建及政策支撑研究(2011GXQ4B006)>
教育部人文社科基金青年项目"中国农村金融排斥:形成机理
区域差异与破解机制"(10YJC790261)
湖南省自然科学基金<我国农村金融排斥的模型构建
实证检验与破解机制(11JJB005)>
湖南大学985工程"两型社会"建设创新基地资助项目
湖南省青年骨干教师计划的资助
关键词
农村金融
村镇银行
民间资本
监管模式
rural finance
village bank
private capital
supervision patter
