论吉林村镇银行可持续发展问题

Research on the Sustainable Development of Rural Bank in Jilin Province

制约当前村镇银行可持续发展的最大障碍是慈善思维方式——农民因为贫穷需要廉价资金。村镇银行发放小额农户贷款被认为是扶贫的手段。村镇银行采取商业化方式,实施高利率小额农户信贷与支持、帮助农村中的贫困群体并不矛盾。完善小额农户贷款还需要信贷员激励机制。村镇银行需要政府扶助,但又要避免地方政府的过度干预,避免政府信用担保的道德风险,这样才能实现可持续发展。

A major obstacle to restrict the development of Rural Bank is charitable thought farmers need cheap money since poverty. It is widely accepted that Rural Bank should release petty credit loans for farmers as a way of helping the poor. Contrary to this estimation,we have found that Rural Bank which carry out petty credit loans with high interest rate can support and help a disadvantaged minority in the county effectively. Perfecting the function of petty credit loans needs losn operator motivation mechanism. Rural Bank needs govemment support, but not over - intervention from local government and moral hazard from govermment guarantee. Thus Rural Bank can have a healthy sustainable development.