村镇银行发展的问题及对策建议

Problems and Suggestions on the Development of Rural Banks

近年来,我国国民经济的发展取得了举世瞩目的成就,经济规模、科技水平突飞猛进。但城乡经济差距并未消除,国家多次把解决三农问题写进每年的中央一号文件。解决三农问题的关键就是发展农村经济,而金融支持不足是制约农村经济发展的一个主要问题。2006年银监会推出村镇银行试点,经过十几年的发展实践,对提高农村地区金融覆盖率、提升金融竞争性、增加农村地区金融供给等方面发挥了很大作用。但我们看到,村镇银行在实践中也暴露出一些问题,本文从这些问题入手进行了分析,并提出了一些建议,希望村镇银行这一模式能够起到更加积极的作用。

In recent years,the development of China's national economy has achieved world-renowned achievements,and the economic scale and technological level have advanced by leaps and bounds.However,the economic gap between urban and rural areas has not been eliminated,and the state has repeatedly written the resolution of the three rural issues into the No.1 Central Document every year.The key to solving the three rural issues is to develop the rural economy,and insufficient financial support is a major problem that restricts the development of the rural economy.In 2006,the China Banking Regulatory Commission launched a pilot project for rural banks.After more than ten years of development practice,it has played a significant role in improving financial coverage in rural areas,enhancing financial competitiveness,and increasing financial supply in rural areas.However,we have seen that village banks have exposed some problems in practice.This article analyzes these problems and puts forward some suggestions,hoping that the mode of village banks can play a more active role.