摘要
我国的利率市场化改革属于渐进式改革,除人民币存款利率上限还未放开之外,其他利率已基本完成市场化。利率市场化给村镇银行带来前所未有的机遇,也使村镇银行利率风险、信用风险和操作性风险加大。实现村镇银行持续稳健发展,应开展错位经营、实行差别化战略,完善公司治理结构、健全内控机制,调整业务结构、增强产品创新能力。此外,政府应通过完善保障制度、加强金融监管予以保障。
The interest rate liberalization reform of China belongs to the gradually-advanced reform. The interest rate liberalization has been basically completed except that the upper limit of RMB deposit interest rates has not been released. Interest rate liberalization brings about unprecedented opportunities for village bank, but also enlarges the interest rate risk, credit risk and operational risk of village bank. In order to realize the sustainable development of village bank, it is necessary for village bank to prevent risks through developing dislocation operation, implementing differential strategies, enhancing corporate governance structure, perfecting internal control mechanism, adjusting business structure, and strengthening product innovation ability. In addition, government should afford security through improving security system and strengthening financial supervision.
出处
《改革》
CSSCI
北大核心
2014年第1期61-68,共8页
Reform
基金
湖北省教育厅人文社会科学研究项目"湖北农村中小型金融机构发展与风险控制研究"(批准号:2011jytq196)
国家自然科学基金应急项目"我国‘三农’重要财政
金融和组织扶持政策落实情况
执行机制及提升对策研究"(批准号:71341016)
关键词
利率市场化
村镇银行
金融风险防范
金融监管手段
interest rate liberation, village banks, finance risk prevention, means of financial regulation
