设立村镇银行子银行的优劣势分析

An Analysis of the Advantages and Disadvantages of the Rural Bank Subsidiary

随着村镇银行的不断发展,遇到的问题也越来越多,尤其是批量化、规模化、专业化设立的问题。历经"总分行制"、"管理总部制"、"控股公司制"等设想的搁置,银监会又于近期提出"村镇银行子银行"的建议,并把《商业银行村镇银行子银行管理暂行办法(征求意见稿)》下发至各商业银行征求意见。本研究首先对村镇银行子银行进行概述,然后分析设立村镇银行子银行的优势及劣势。

With the continuous development of the rural bank, more and more problems appear, especially setting up the rural bank on the large scale and professionally. After shelving the idea of ＂Headquarters-branch system＂, ＂Management headquarters system＂, ＂Holding company system＂, in the near future, China mission puts forward the idea of ＂the rural bank subsidiary＂. This article first introduces the then analyzes the advantages and disadvantages of the rural bank subsidiary. Banking Regulatory Com- rural bank subsidiary, and