云南省村镇银行可持续发展的困境及对策研究

Study on the Difficulties and Countermeasures for the sustainable development of the village banks in Yunnan Province

自2008年6月27日云南省第一家村镇银行——玉溪兴和村镇银行在玉溪红塔区挂牌经营以来,云南省的村镇银行经历了6年多的发展,成效初显,在一定程度上增加了农村地区的资金供应量,激活了农村金融体系的有效竞争,缓解了金融供给不足的矛盾,促进了农村经济的进一步发展。但是,村镇银行在发展过程中也面临着许多亟待解决的问题,制约了其可持续发展能力。

Since the Yunnan province in June 27,2008 the first village bank -- Yuxi Xinghe town bank listing operating in Yuxi Hongta area, Yunnan province has experienced the development of village banks, more than 6 years of achievements previews, capital supply in rural areas increased to a certain extent, the activation of the effective competition of rural financial system, ease the contradictions financial shortage, promoting the further development of the rural economy. However, the village and town bank is also facing many problems to be solved in the process of development, restrict its sustainable development ability.