新型农村金融机构发展研究——以吉林省东丰县吉银村镇银行为例

Research on the Development of New Rural Financial Institutions——Take Dongfeng as an Example

作为金融体制创新,村镇银行这类新型农村金融机构的出现,激活了农村金融市场,打破了过去单一垄断局面,形成了有效竞争,促进了农村金融服务质量的提升,标志着农村金融市场体系多元化、竞争化这样一个阶段的到来。吉银村镇银行作为首批试点的村镇银行之一,通过扶持农户和小微企业发展壮大实现自身的长远发展。但不可否认随着市场化的加剧,村镇银行在未来的竞争中,面临更加严峻的考验。

As the innovation of financial system, rural banks this kind of new-type rural financial institutions, the activation of the rural financial market, breaking the past single monopoly, to form an effective competition, to enhance the quality of rural financial services, marking system of rural financial market diversification, the competition of such a stage of arrival. As one of the first batch of pilot villages and towns bank, the bank is one of the first batch of villages and towns, and the development of small and micro enterprises is to achieve their long-term development by supporting the development of small and micro enterprises. But it can not be denied that with the intensification of the market, rural banks in the future of the competition, facing a more severe test.