我国村镇银行控股公司的发展与规制

On the Development and Regulation of Rural Bank Holding Company in China

村镇银行控股公司是以符合条件的金融机构子公司身份设立的银行业金融机构,可由境内金融机构在绝对控股基础上与外资或民资共同发起设立,通过新设、并购、股权转换方式建立或整合其下的村镇银行子公司。村镇银行控股公司将来可以用营业让与方式脱壳设立为纯粹型农村金融控股公司,前者可比照银行业金融机构监管,后者需采用机构与功能监管相结合的类伞形牵头监管模式,并应从市场准入、运营监管、市场退出等多方面完善法制建设。

Rural bank holding company is a banking financial institution, which is established as a subsidiary of qualified financial institution. On the basis of absolute control, domestic financial institutions can set up it with for- eign capital or private capital, and establish or integrate the subsidiaries by some way of new establishment, merger and acquisition, and equity exchange. In the future, rural bank holding company could be transformed into the pure type of rural financial holding company through transfer or undertakings. The former should be regulated follow the example of banking financial institution, but the latter needs to adopt the umbrella-shaped regulatory approach which combine institutional regulation and functional regulation. Additionally, construction of legal system should be further improved from many aspects, such as market access, operation supervision, and market exit.