普惠金融视角下的银行商业特许经营:模式创制、制度解构与移植路径  

Bank's Commercial Franchise in Perspective of Inclusive Finance:Mode Creation,System Construction and Path Migration

作　　者：柴瑞娟[1] 

机构地区：[1]山东大学法学院

出　　处：《法学评论》2017年第5期66-76,共11页Law Review

基　　金：笔者主持的国家社科基金青年项目<普惠金融视角下银行商业特许经营模式法律问题研究>(16CFX047)的阶段性成果

摘　　要：与传统的直接投资入股模式不同,澳大利亚Bendigo银行通过商业特许一系列Bendigo社区银行创制了银行商业特许经营模式。社区银行由社区居民和企业筹资设立,Bendigo银行在自身不用资金投入的情况下,通过商业特许经营将自身成熟的产品服务、运营管理、股权结构、公司治理等输入社区银行,两者合力共同构筑了Bendigo社区银行运作多年的成功。当下我国普惠金融的载体村镇银行困境丛生,但其与Bendigo社区银行在产生背景、设立初衷及发展定位等众多方面高度类似,从而构筑了坚实的制度移植基础。废除村镇银行中备受诟病的主发起行制度,以适格大型成熟银行所采用的商业特许经营模式来进行制度替代,并结合我国金融生态文化进行本土化移植,或可开启村镇银行走出困境的普惠农村之路。Different from the traditional mode of direct investment in shares, Bendigo bank of Australia created a fran chise model of commercial banks through a series of Bendigo community banks. Bendigo community banks are invested and owned by community residents and enterprises, while Bendigo bank provides the coverage of its banking licenses, a full range of banking products, ownership structure, eorporate governance, training of staff and ongoing support. The commercial fran- chise model of bank makes Bendigo Community Bank achieve great success. The establishment background, the purpose of es- tablishment and developing positioning of village banks in China are highly similar with Bendigo Community Bank, and this build a solid system transplant basis. In order to make the village bank out of development dilemma, We can try to replace the main initiated bank system of village bank with commercial franchise model.

关 键 词：银行商业特许经营 澳大利亚 Bendigo社区银行 村镇银行 主发起行制 

分 类 号：D961.1[政治法律—法学] DD912.28