村镇银行如何实现健康可持续发展？  

How do the Village Banks Realize Healthy and Sustainable Development?

作　　者：中国人民银行济南分行课题组 董龙训[1] 刘洪来[1] 徐迎军[1] 张宁[1] 孙艳云 绍倩 李新安[3] Research Group of PBC Jinan Branch(PBC Jinan Branch,Shandong Jinan 250021)

机构地区：[1]中国人民银行济南分行,山东济南250100 [2]中国人民银行济南分行营业管理部 [3]中国人民银行潍坊市中心支行

出　　处：《金融发展研究》2019年第11期31-35,共5页Journal Of Financial Development Research

摘　　要：自2006年我国开展村镇银行试点以来,各家村镇银行不断探索和创新,但部分村镇银行可持续发展仍面临困境。本文以青岛西海岸海汇村镇银行为例,对村镇银行的健康可持续发展路径进行探讨。分析认为,村镇银行要实现稳健增长,需坚持以下两点:一是厘清发起行职责边界,委托-代理关系明晰;二是坚守支农支小的市场定位,坚守三农小微市场,走"小而精"的差异化发展道路。Village banks are an important part of rural financial institutions. China has launched its village bank pilots since 2006,and various village banks continuously explored and made innovations. But some of them failed to position correctly and had a bad management, thus having risk at a high level. While some found successful business model and realized sustainable development. Taking Haihui Village Bank in Qingdao as an example,through summarizing its developing reality,this paper deeply analyzes its internal logic of sustainable development and explores the feasible path of sustainable and stable operation of village banks.

关 键 词：村镇银行 可持续发展 管理机制 支农支小 

分 类 号：F832.35[经济管理—金融学]