普惠金融視角下的銀行商業(yè)特許經(jīng)營:模式創(chuàng)制、制度解構(gòu)與移植路徑
發(fā)布時間：2018-09-10 07:08
【摘要】：與傳統(tǒng)的直接投資入股模式不同,澳大利亞Bendigo銀行通過商業(yè)特許一系列Bendigo社區(qū)銀行創(chuàng)制了銀行商業(yè)特許經(jīng)營模式。社區(qū)銀行由社區(qū)居民和企業(yè)籌資設(shè)立,Bendigo銀行在自身不用資金投入的情況下,通過商業(yè)特許經(jīng)營將自身成熟的產(chǎn)品服務(wù)、運(yùn)營管理、股權(quán)結(jié)構(gòu)、公司治理等輸入社區(qū)銀行,兩者合力共同構(gòu)筑了Bendigo社區(qū)銀行運(yùn)作多年的成功。當(dāng)下我國普惠金融的載體村鎮(zhèn)銀行困境叢生,但其與Bendigo社區(qū)銀行在產(chǎn)生背景、設(shè)立初衷及發(fā)展定位等眾多方面高度類似,從而構(gòu)筑了堅(jiān)實(shí)的制度移植基礎(chǔ)。廢除村鎮(zhèn)銀行中備受詬病的主發(fā)起行制度,以適格大型成熟銀行所采用的商業(yè)特許經(jīng)營模式來進(jìn)行制度替代,并結(jié)合我國金融生態(tài)文化進(jìn)行本土化移植,或可開啟村鎮(zhèn)銀行走出困境的普惠農(nóng)村之路。
[Abstract]:Different from the traditional mode of direct investment, Bendigo Bank of Australia has created the commercial franchise mode of bank through a series of commercial franchise Bendigo community banks. Community banks are set up by community residents and enterprises to raise funds. Bendigo Bank, without capital investment, inputs its mature products and services, operation management, equity structure, corporate governance and so on into community banks through commercial franchising. The two have worked together to build up the success of Bendigo community bank operation for many years. At present, there are a lot of difficulties in village banks of inclusive finance in our country, but they are highly similar to Bendigo community banks in many aspects, such as background, original intention and development orientation, thus constructing a solid foundation of institutional transplantation. To abolish the system of initiating bank, which has been criticized in the village and town bank, to replace the system with the commercial franchise mode adopted by the suitable large and mature banks, and to carry on the localization transplantation with the combination of the financial ecological culture of our country. Or can open the village and town bank out of the predicament of the road of rural Huihui.
【作者單位】： 山東大學(xué)法學(xué)院;
【基金】：筆者主持的國家社科基金青年項(xiàng)目《普惠金融視角下銀行商業(yè)特許經(jīng)營模式法律問題研究》(16CFX047)的階段性成果
【分類號】：D961.1;DD912.28
本文編號：2233743
[Abstract]:Different from the traditional mode of direct investment, Bendigo Bank of Australia has created the commercial franchise mode of bank through a series of commercial franchise Bendigo community banks. Community banks are set up by community residents and enterprises to raise funds. Bendigo Bank, without capital investment, inputs its mature products and services, operation management, equity structure, corporate governance and so on into community banks through commercial franchising. The two have worked together to build up the success of Bendigo community bank operation for many years. At present, there are a lot of difficulties in village banks of inclusive finance in our country, but they are highly similar to Bendigo community banks in many aspects, such as background, original intention and development orientation, thus constructing a solid foundation of institutional transplantation. To abolish the system of initiating bank, which has been criticized in the village and town bank, to replace the system with the commercial franchise mode adopted by the suitable large and mature banks, and to carry on the localization transplantation with the combination of the financial ecological culture of our country. Or can open the village and town bank out of the predicament of the road of rural Huihui.
【作者單位】： 山東大學(xué)法學(xué)院;
【基金】：筆者主持的國家社科基金青年項(xiàng)目《普惠金融視角下銀行商業(yè)特許經(jīng)營模式法律問題研究》(16CFX047)的階段性成果
【分類號】：D961.1;DD912.28
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，本文編號：2233743
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