经济新常态下我国促进村镇银行可持续发展的对策建议——以景德镇市辖内村镇银行为例

作为新型农村金融机构,村镇银行为健全县域金融体系,服务"三农"及小微企业做出了积极贡献。但随着我国经济进入新常态,村镇银行出现了吸储和信贷投放难度加大、稳健经营和转型发展难以推进等制约因素。提出适时出台指导意见,增强发展后劲;准确定位,坚持服务"三农"的宗旨不动摇;加大政策扶持,增强村镇银行活力;助力村镇银行转型升级,推进其可持续发展的对策建议。

As a new type of rural financial institutions,village banks make a positive contribution to improve the county's financial system,service'three rural'and small- micro businesses. But with our country's economy has entered a period of new normal,village banks appeared some constraints: deposit- taking and credit harder,difficult to promote moderate management and transformation development. Putting forward the following suggestions: timely issue guidance,and enhance the development potential; accurate positioning,and insist on the purpose of servicing'three rural'not be moved; increase policy support,and enhance the vitality of village banks; assist village banks to transformation and upgrade,and promote its sustainable development.