我国村镇银行可持续发展研究

The Sustainable Development of Rural Banks in China

农村现有的金融机构并没有真正解决贷款难的问题,商业性金融和政策性金融支农能力有限,农村资金的大量外流和非农化是导致我国农村地区融资难的主要原因,因此,我国有必要建立村镇银行。村镇银行面临政府配套政策的不到位;结算不畅通;难以加入人民银行支付系统;可持续发展与服务于"三农"的两难选择。村镇银行的可持续发展需要进行金融创新,加大政府对村镇银行的扶持力度,实现利率的市场化,实行差别化监管,加强农村信用体系建设,改善区域金融生态,通过多渠道筹集资金,以解决贷款缺口的问题。

Existing financial institutions in rural areas did not really solve the problems in getting loans. Commercial finance the limited capacity of supporting agriculture, the rural exodus of funds and the conversion of rural areas leading to dificulities of financing. Therefore,it is necessary to establish rural banks. But,rural banks are facing many problems,such as lacking support from government settlement is not smooth;hard to join the People＇ s Bank patment system; dilemma in sustainable development and servicing the ＂three rural＂. Sustainable development of rural banks need financial innovation; increasing government efforts to support rural banks; achieving market-oriented interest rates; the implementation of differential regulation; strengthening the rural credit system; improving the regional financial ecology. Solving the problem of the gap loans through various channels to raise funds.