村镇银行大量可贷资金脱离县域实体经济问题探析  

Analysis of the Large Amount of Loanable Funds in Rural Banks Separated from the County Real Economy

作　　者：王一捷[1] 徐加生[2] 朱海生[2] 

机构地区：[1]中国人民银行长春中心支行,吉林长春130051 [2]中国人民银行榆树市支行,吉林榆树130400

出　　处：《吉林金融研究》2017年第11期54-57,共4页Journal of Jilin Financial Research

摘　　要：为了弥补农村地区金融服务不足,更好地支持地区"三农"和中小企业发展,银监会批准社会资本设立村镇银行。但当前县域资金通过村镇银行存放同业操作输送到县域外或其他省份,大量可贷资金脱离县域实体经济,使原本就"失血"的县域经济更加"雪上加霜"。县域银行的资金外流问题成为经济欠发达地区经济发展的主要擎肘。通过对榆树市融兴村镇银行的深入调查,调研组尝试对这一问题做出分析,并给出解决办法。In order to make up for the lack of financial services in rural areas, and better support the ＂three rural＂ and the development of small and medium enterprises, the CBRC approved the establishment of social capital rural banks. But the county funds through the village bank deposit operation transported to outside the county or other provinces, a large number of loanable funds from the real economy, so that the original is ＂blood＂ of the county economy more ＂one disaster after another＂. The outflow of County bank funds has become the main elbow of economic development in underdeveloped areas. Through in-depth investigation of the rural banks in Yushu City, the research group tries to analyze the problem and gives solutions.

关 键 词：村镇银行 可贷资金 

分 类 号：F127[经济管理—世界经济] F832.4