齐齐哈尔市村镇银行可持续发展策略分析

Strategies for the Sustainable Development of Village Banks in Qiqihar

当前,齐齐哈尔村镇银行面临着贷款风险较高,政策支持不足,金融创新不足,社会认知度较低等问题。制约齐齐哈尔村镇银行可持续发展的因素是资本金少,业务功能不完善,角色转换不到位。实现村镇银行可持续发展,应加大政府扶持力度,建立风险补偿机制,扩大村镇银行经营途径,打造优秀企业品牌。

Village banks in Qiqihar are facing the problems of high risk loans, insufficient policy support and financial innovation, and low social awareness. The factors which restrict the sustainable development of village banks are less capital, imperfect business functions and incomplete role transition. In order to realize the sustainable development of village banks, we should strengthen the government support, establish the risk compensation mechanism, explore new operation ways and create excellent enterprise brands.