摘要
实践证明,村镇银行在经济欠发达地区的出现,有效填补了农村金融服务渠道和服务"三农"的空白,对丰富农村金融市场、完善农村金融组织体系、搭建农村金融供给新渠道和改进农村金融服务产生了积极影响。在发展与壮大过程中,机遇与挑战并存,如何抓住机遇和克服挑战,将是经济欠发达地区村镇银行可持续发展的关键。本文以贵州省成立的四家村镇银行为例,从政策、经营环境、自身建设、资金运用等视角,对制约村镇银行可持续发展的因素进行深入分析,就如何促进经济欠发达地区村镇银行可持续发展提出相关的对策和建议。
It is demonstrated that the advent of village banks has an active impact on flourishing rural financial markets,fulfilling rural financial systems,establishing channels for rural financing and improving rural financial services.However,there are many opportunities and challenges during its developing process.So how to hold opportunities and overcome challenges is quite critical for the sustainable developments of village banks in less-developed areas.This paper aims to analyze the restraining factors on the developments of village banks in Guizhou district from several aspects,such as economic policies,managing environment,self -constructions and funds applications,and then points out some suggesting guides for the sustainable developments of village banks in less-developed areas.
出处
《区域金融研究》
2010年第10期65-68,共4页
Journal of Regional Financial Research
关键词
经济欠发达
村镇银行
可持续发展
农村金融
Less-developed Economy
Village Banks
Sustainable Development
Rural Finance
作者简介
秦刚，男，苗族，贵州思南人，经济师，供职于中国人民银行黔南州中心支行。
