城商行发起村镇银行发展研究——以哈尔滨银行为例

A Survey of the Performance of Village Banks Cultivated by City Commercial Banks——Harbin Bank as Case

城商行(以哈尔滨银行为例)作为主发起行设立的村镇银行,扎根于基层,机构分布广,涉农金融业务发展较快,农村金融产品种类丰富,设立初期发展迅猛,近年,受宏微观环境的影响,盈利能力下降。运用定量分析、比较分析等方法,总结出城商行发起村镇银行的优势为:制度设计优势,政策支持优势,城商行地域优势;城商行发起村镇银行的劣势为:受制于部分县域经济下行影响盈利能力下降,股权高度集中、经营管理水平不高,负债业务来源渠道有限。为改善城商行发起村镇银行的绩效,应该争取更多的政策扶持,因地制宜发展、强化优势,修炼内功、加强管理,加强农村金融机构间的合作与交流,创新发展。

The researching results show that the Village Banks cultivated by Harbin Banks are rooted in the grass- roots .Their institutions are distributed widely .The rural fi- nancial business grows rapidly. The cultivation of Village Banks is accelerated, but, their profitability is descending . Summarizing the factors to affect the performance of the Village Banks cultivated by City Commercial Banks. To im- prove the performance of the Village Banks,it is necessary to intensify policy support, to improve management and to in- novate actively.