村镇银行的发展现状、问题与法律对策——以西北地区的调查为依据

The Village Bank Status,Problems and Legal Strategies:Discussing From the Investigation of the Northwest Region of China

作为新型的民间金融机构,村镇银行一定程度上缓解了西北地区转型发展过程中资金不足的现状,满足了资金来源日趋多样化的要求。但随着其发展,村镇银行相关法律的权威性及针对性不足、合适监管规则和监管方式缺乏、配套法律制度不够完备、治理结构不合理、风险管理薄弱等法律问题逐渐凸显出来,严重影响其今后的健康发展。因此,应该尽快从完善外部保障机制和强化内部建设两方面入手,加强法律规制,健全金融监管,建设相关配套法律制度,完善村镇银行的治理结构,强化风险管理,完善内部制度构建,以确保村镇银行的可持续发展。

As a new private financial institutions, village banks had to some extent alleviated the situation of funding shortage and satisfied the requirements for founding recourse diversity during the northwest region transformation development. However, problems such as lack of authority and relevance for corresponding laws, insufficient of appropriate regulatory rules and approaches, imperfect tional of governance structure and inabundant of risk management appeared of supporting legal system, irra- gradually as the development of village banks and this had seriously threatened the healthy development of village banks. Therefore, measures including strengthening the legal regulation, improveing the financial supervision and regulation, constructing related legal system, completing the governance structure of village banks, strengthening risk management, improving system internal builds should be taken to perfect the external guarantee mechanism and strengthen the internal governance construction to ensure the sustainable development of village banks.