本文選題：村鎮(zhèn)銀行經(jīng)營(yíng)行為 + 創(chuàng)新與不足�。� 參考：《現(xiàn)代經(jīng)濟(jì)探討》2010年12期

【摘要】：村鎮(zhèn)銀行在產(chǎn)權(quán)組織形式、資金定價(jià)機(jī)制、信貸模式、產(chǎn)品設(shè)計(jì)等方面的創(chuàng)新取得了一定成效,但也存在貸款脫農(nóng)化、信貸規(guī)�；�、業(yè)務(wù)同質(zhì)化,偏離三農(nóng)傾向,業(yè)務(wù)拓展受到資金來(lái)源、政策限制、外部環(huán)境等制約,高度依賴發(fā)起行,贏利模式的長(zhǎng)期可持續(xù)性不明朗等問(wèn)題。該文認(rèn)為,村鎮(zhèn)銀行應(yīng)明確辦行方向,準(zhǔn)確定位,加強(qiáng)自身建設(shè),同時(shí)應(yīng)加強(qiáng)監(jiān)管引導(dǎo)與風(fēng)險(xiǎn)監(jiān)測(cè),完善央行貨幣政策支持與金融服務(wù)措施,強(qiáng)化財(cái)稅政策支持,優(yōu)化村鎮(zhèn)銀行的外部經(jīng)營(yíng)環(huán)境,促進(jìn)村鎮(zhèn)銀行健康發(fā)展。
[Abstract]:Village banks have made some achievements in the innovation of property right organization, capital pricing mechanism, credit model, product design and so on, but there are also the tendency of loan delamination, credit scale, business homogeneity, deviation from agriculture, rural areas and farmers. Business expansion is restricted by the source of funds, policy constraints, external environment, highly dependent on the initiation bank, and the long-term sustainability of profit model is not clear and so on. The paper holds that village banks should make clear the direction of operation, accurately position themselves and strengthen their own construction. At the same time, they should strengthen supervision and guidance and risk monitoring, improve the central bank's monetary policy support and financial service measures, and strengthen fiscal and tax policy support. Optimize the external operating environment of village banks and promote the healthy development of village banks.
【作者單位】： 四川大學(xué)經(jīng)濟(jì)學(xué)院;
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：1790869