江苏村镇银行可持续发展的瓶颈制约及解决思路

The Bottleneck and Solutions for Sustainable Development of Jiangsu Rural Bank

由于成立时间短,受地理位置、经营规模等因素制约,江苏村镇银行可持续发展仍面临民间资本参股较难、市场定位"失位"、资金"瓶颈"凸显、经营成本与经济效益倒挂、风险内控制度薄弱、专业人才严重匮乏等瓶颈因素。只有从银行自身和政府层面同时提出解决思路才可行:前者应找准市场定位、合理布局银行网点、扩大资金来源、加强内部控制管理、创新信贷模式、优化人员结构;后者应进一步加强金融监管、加大政策扶持力度。双管齐下,才能更好破解江苏地区"三农"金融服务困境,加速推进新型城镇化建设。

For the reasons of operation time, geographic location and management scale, the continuous development of Jiangsu rural banks faces many practical restrictions, such as difficult participation of private investors, improperness of market orientation, shortage of operating funds, mismatch of managing costs and economical profits, weakness of inner risk control sys- tems and insufficiency of professional talents. Measures should be taken by rural banks and government departments together： the former should find proper market orientation, rationalize operational branch locations, enlarge fund resources, reinforce in- ner control management, innovate loan models and optimize staff structures ; the latter should intensify financial supervision and also increase policy supports. Only in this way, the financial services for farmers, agriculture and rural areas could be improved and the new urbanization process could be accelerated.