村镇银行评价指标体系及推进路径研究

Research on the Evaluation Index System and Promotion Path of Rural Banks

乡村振兴战略的实施迫切需要微型金融机构的有效融入,村镇银行却因自身管理和制度设计等原因陷入生存和发展困境。乡村振兴战略为村镇银行的高质量发展提供了基本遵循,需要我们科学把握村镇银行高质量发展的基本内涵,建立相应的评价体系,研究其在乡村振兴战略实施中的功能价值所在,通过优化管理平台架构增强集约化发展能力,培育属地化金融体系畅通资本补充渠道,借鉴普惠金融格莱珉模式参与乡村治理,开展社区化网点布局提升金融可获得性,建立乡村振兴联盟促进共同高质量发展等路径,为金融更好地支持乡村振兴战略实施,促进我国村镇银行可持续发展,提供理论依据、决策参考以及行业解决方案。

The implementation of the rural revitalization strategy urgently needs the effective integration of micro-financial institutions,but village banks are in a development dilemma due to their own management and system design.The rural revitalization strategy provides a guide for the high-quality development of rural banks.We need to scientifically grasp the basic connotation of the high-quality development of rural banks,establish a corresponding evaluation system,study its functional value in the implementation of the rural revitalization strategy,and optimize the management platform by optimizing the management platform.Structure to enhance the ability of intensive development,cultivate a localized financial system to unblock capital replenishment channels,learn from the Grameen model of inclusive finance to participate in rural governance,develop community-based outlets to improve financial availability,and establish a rural revitalization alliance to promote common high-quality development,etc.It provides theoretical basis,decision-making reference and industry solutions for finance to better support the implementation of the rural revitalization strategy and promote the sustainable development of rural banks in my country.