村镇银行发展:理论基础与实证研究

Village Bank Development:Theory and Empirical Study

组建村镇银行的理论基础主要是麦金农和肖的金融深化理论、金融成长的内生理论和发展经济学的理论。运用经济学均衡价格模型和规模经济原理,分析当前村镇银行发放小额贷款的成本,剖析村镇银行发展中面临的诸如金融产品陈旧、吸储能力不强、运营成本高、结算渠道不畅、存在支付风险等问题,认为今后村镇银行的发展要牢牢确立以"三农"为服务对象,建立成熟的企业文化,创新金融产品和服务,实施严格的风险管控等。

The theoretical basis for the formation of village banks is mainly McKinnon and Shaw＇s theory of financial deepening, financial endogenous growth theory and the theory of development economics. With the application of economic equilibrium price model and the principle of economies of scale an analysis is made on the cost of small - scale loan granting in village banks at present, such problems in the development of village banks are dissected, as obsolete financial products, not strong deposit -absorbing capacity, high operating costs, sluggish settlement channels, existence of payment risks, and so on. It＇ s necessary for the development of village banks in the future to firmly stand a service target for the ＂agriculture, peasant and countryside＂, to establish a mature corporate culture, to innovate financial products and services, implementing strict risk control.