村镇银行的外生性问题与化解策略探讨

A study on the county banks' exogenous problem and the measures

以农村金融增量改革和村镇银行加速设立为研究背景,首次探讨了村镇银行的外生性问题及其化解策略。认为村镇银行的外生性问题的原因在于设立主体的外生性、初始资金的外生性和经营理念的外生性3个方面,由此可能引发的主要问题是吸储困难导致资金来源不足、社会认同程度低导致经营困难、村镇银行呈单点分布阻碍了规模效应的发挥、受制于当地政府容易丧失发展的自主性等。从转变经营理念、增强宣传力度、提升服务水平、找准市场定位、融入村社文化等角度提出了化解外生性问题的策略建议。

Under the background of the rural finance incremental reform and the accelerated setup of county banks,the paper found it the exogenous problem of village banks that lead to the difficulties of the county banks.According to the author,exogenous problem were embodied in three aspects,the exogeneity of majority shareholders,the exogeneity of initial funds,and the exogeneity of operation principle.So no enough funds sources,high credit risks and cost due to the un-scale economy and controled by local government were the difficulties that county bank confront.On that basis,some tactics had been put forward from multi-angle,such as changing managing idea,enhancing publicizing dynamics,advancing service level,capturing market position,blending into village culture and so forth.