欠发达地区村镇银行发展问题的研究——以白城地区为例  

Research on the Development of Village Banks in Less Developed Areas——Taking Baicheng Area as an Example

作　　者：李建强[1] 纪晓明[1] 王慕星 LI Jianqiang;JI Xiaoming;WANG Muxing

机构地区：[1]中国人民银行白城市中心支行,吉林白城136000

出　　处：《吉林金融研究》2018年第12期36-39,共4页Journal of Jilin Financial Research

摘　　要：2007年我国首家村镇银行获批成立,至此村镇银行以地方法人金融机构的身份登上历史舞台。十一年来,发展势头迅猛,在丰富我国金融体系、弥补乡镇金融短板的同时,对支持地方建设、发展普惠金融、服务当地"三农"等方面均有卓越贡献,但是在当今宏观经济趋稳、增速放缓的新形势下,县域村镇银行作为宏观审慎监管框架中的重要一环,其结构单一、体量较小的自身特点,逐步显露出存贷两难、利差渐窄、成本上升等一系列新问题。本课题拟结合白城地区实际情况,探索新时期下欠发达地区村镇银行的发展变化,对所遇瓶颈及问题进行探讨,并提出对策建议。In 2007,China's first village bank was approved to be established,so the village bank came on the stage of history as a local legal person financial institution.Over the past 11 years,the development momentum has been rapid.While enriching the financial system of our country and making up for the shortcomings of township finance,it has made remarkable contributions to supporting local construction,developing Inclusive Finance and serving the local"three rural"and other aspects.However,under the new situation of macroeconomic stabilization and slow growth,County village banks are regarded as macroscopical ones.As an important part of the prudential regulatory framework,its single structure and small size gradually reveal a series of new problems,such as the dilemma between deposit and loan,narrowing interest margin and rising cost.Based on the actual situation of Baicheng area,this paper explores the development and changes of village banks in underdeveloped areas in the new era,explores the bottlenecks and problems encountered,and puts forward countermeasures and suggestions.

关 键 词：村镇银行 存贷款 盈利能力 资金使用效率 

分 类 号：F830[经济管理—金融学]