福建省村镇银行发展的制约瓶颈与对策

Restriction Bottlenecks and Countermeasures for the Development of Rural Banks in Fujian

近年来,村镇银行作为福建农村金融发展的新生力量,是“普惠金融”的重要推动者和积极实践者。本文简要介绍福建省村镇银行的发展历程和特征,指出当前福建省村镇银行发展中的制约瓶颈:专项扶持政策力度比较薄弱、整体资本实力较为薄弱、缺乏特色金融产品、风险防范能力较弱、从业人员素质整体不高,并提出加大政策扶持力度、积极开辟多种筹集资金渠道、着力创新农村金融产品、提高风险防范管理水平、加强专业人才队伍建设等建议措施。

In recent years,rural banks,as a new force in the development of rural finance in Fujian,have become important promoters and active practitioners of"inclusive finance".This paper briefly introduces the development history and characteristics of Fujian's village and town banks,points out that the current restricts the bottleneck in the development of rural Banks in fujian province:special support policy strength is weak,the overall capital strength is weak,lack of characteristics of financial products,risk prevention ability is weak,the overall staff quality is not high,and put forward strengthen policy support,actively open up a variety of channels to raise funds,focus on rural financial product innovation,improve the level of risk prevention management,suggested measures such as strengthening the construction of professional talent team.