基于产权结构与关系贷款视角的村镇银行监管思路研究——美国社区银行的启示

Research on the Supervision of Town Banks Based on Ownership Structure and Relationship Loans——Inspiration of American Community Banks

尽管村镇银行在全国范围内快速扩张,同时银监会为鼓励和引导民间资本介入村镇银行亦作出相应政策松动,但开放力度仍有限,政策限制并未完全放宽。文章在银行产权制度和关联贷款理论基础上,结合美国同业的实践,分析村镇银行进一步引入民间资本的可能路径,并在此背景下对村镇银行的监管思路和相关制度设计深入思考。

Although town banks expand in the national scope rapidly, at the same time to encourage and guide folk capital town into them, CBRC also makes corresponding policy loose and their degree of opening up is still lim- ited and policy limit has not been fully relaxed. The article analyzes the possible path for .town banks to further intro- duce folk capital on the basis of theories of bank property rights system and related loan, as well as combining with other banks＇ s practice. And in this context, town banks＇ deeply considered. regulation thinking and related system design arte also