我国村镇银行监管:目标、现状及对策

Regulation of Rural Banks in China: goal,status and measures

科学合理的监管,是村镇银行持续、健康发展的重要保障。本文通过分析村镇银行兼具营利性和政策性于一身的特性,提出服务农村金融发展、有效协调金融创新与金融安全的关系、保护利益相关方的利益是村镇银行监管的主要目标。在此基础上,本文对目前村镇银行监管存在的不足及其原因进行了研究,并提出进一步完善监管的对策。

Scientific and reasonable regulation is the important guarantee for the sustainable and healthy development of rural banks. An analysis of the characteristic of rural banks, combining the profitability with policy, is presented in this paper so as to put forward the main objects of rural bank regulation of serving rural financial development, effectively coordinating the relationship between financial innovation and financial security, as well as protecting the interests of stakeholders. Based on this, this paper carries out a study on the shortages and reasons existed in the regulation of rural banks, and presents measures for further improvements of regulation.