适度监管,产品创新与村镇银行可持续发展

Product Innovation and Sustainable Development of Village Banks under Moderate Regulation

自2007年以来,我国逐步开展了新型农村金融机构试点工作,村镇银行成为了新型农村金融机构的主导力量。通过分析村镇银行面临的监管过度、股权结构不合理、担保不足等问题阐述其发展乏力的原因,并提出了建立差异化和适度监管模式,选择适度集中模式的股权结构,提高支农补贴以及加大金融产品创新力度的建议,以期实现村镇银行的可持续发展。

Since 2007,the new type of rural financial institutions in our country carry out the pilot work and village Banks became the dominant force.The development of village Banks is facing all sorts of problems,such as excessive regulation,unreasonable equity structure,insufficient collateral and so on.This article mainly expounds the reasons of the development of rural banks in weak.And this paper put forward the building differentiation and moderate supervision mode,Choose moderate concentration model of equity structure,improve agriculture subsidies and strengthen financial products innovation Suggestions,in order to realize the sustainable development of village banks.