农村商业银行改革创新发展路径研究

Research on the Reform and Innovation Development Path of Rural Commercial Bank

随着金融深化和利率市场化的推进,县域农村商业银行面临外部形势复杂多变和内部变革需求强烈交织的局面,地区金融市场竞争压力越来越大,简单的修修补补已难以满足县域农村商业银行发展的需要,县域农村商业银行再次面临关键改革关口。通过深入分析农商银行认识误区,提出全面推动县域农村商业银行在地市层面的合并、融合与提升,成立地市级联合农村商业银行的改革发展路径,从而增加农村商业银行资本与规模,推进农村商业银行公司治理的现代化,促进农村商业银行地方优势的发挥,更好地为地方经济社会服务发展。

With the deepening of finance and the advancement of interest rate marketization,county-level rural commercial banks are facing a complex and changeable external situation while the need for internal reform is also strongly intertwined.The pressure of competition in the regional financial market is increasing,and simple repairs are no longer applicable to the current status of county-level rural commercial banks.County-level rural commercial banks once again face a key reform hurdle.Through in-depth analysis of the misunderstandings of rural commercial banks,it is proposed to comprehensively promote the merger,integration and improvement of county-level rural commercial banks at the prefecture and city level,and establish a reform and development path for prefectural-level joint rural commercial banks,thereby increasing the capital and scale as well as modernizing the governancerural of rural commercial banks,which will give play to the local advantages of rural commercial banks,so as to stimulate the development of local economy and the community services.