民间资本主发起设立村镇银行的风险与防范

Civil capital issuing and establishing countryside and town bank's risk and prevention

允许民间资本主发起设立村镇银行,可以更快地推进农村金融服务空白问题的解决,可以更好地满足农村资金需求,可以规范民间信贷行为,但也会引发过度竞争、关联贷款、过度关注经济效益、监管力量不足、管理经验不足等风险。因此,在允许民间资本主发起设立村镇银行的同时,需要建立相应的风险化解机制。

Allow private capital as main sponsor to launch village banks,you can resolve rural financial services issues faster,you can better meet rural demand for funds,you can regulate private credit behavior,but it can also lead to excessive competition,and associated loans,over-concerned about the economic benefits,regulatory power is inadequate,insufficient risk management experience.It is need to establish the appropriate mechanisms to resolve the concerning risk while allowing private capital as main sponsor to launch village banks.