吉林省村镇银行脆弱性问题研究  

A Research on the Vulnerability of Village Banks in Jilin Province

作　　者：刘璐[1] 景祥云 石慧 LIU Lu;JING Xiangyun;SHI Hui

机构地区：[1]中国人民银行长春中心支行,吉林长春130051 [2]中国人民银行白城市中心支行,吉林白城137000

出　　处：《吉林金融研究》2023年第3期38-43,67,共7页Journal of Jilin Financial Research

摘　　要：脆弱性是制约村镇银行发展的重要因素。村镇银行规模小、业务不够成熟,比一般的金融机构更容易受到风险冲击。从脆弱性的角度来看,村镇银行的脆弱性是农村、农业的脆弱性。但是,从规避风险的角度出发,村镇银行会谨慎对待涉农贷款,优先考虑有抵押的小额贷款或者有经济实力的涉农企业,甚至将目光放在非涉农领域,从而减弱了支农力度。吉林省作为农业大省,村镇银行能否健康发展很大程度上决定着吉林农村经济能否持续健康发展,那么,深入研究吉林省的村镇银行脆弱性问题显得尤为重要。如何测度吉林省村镇银行的脆弱程度将是本文的研究重点。Vulnerability is an important constraint to the development of village banks.Village and township banks are small in scale and immature in business,and are more vulnerable to risk shocks than ordinary fi nancial institutions.From the perspective of vulnerability,the vulnerability of village banks is the vulnerability of rural and agricultural areas.However,from the perspective of risk avoidance,village and town banks will be cautious about agriculture-related loans,giving priority to secured small loans or agricultural-related enterprises with economic strength,and even focusing on non-agriculture-related fields,thereby weakening the intensity of supporting agriculture.As a major agricultural province,the healthy development of village and town banks in Jilin Province largely determines whether the rural economy of Jilin can sustain and develop healthily,so it is particularly important to study the vulnerability of village and town banks in Jilin Province.How to measure the vulnerability of village and town banks in Jilin Province will be the focus of this paper.

关 键 词：村镇银行 脆弱性 金融风险 

分 类 号：F830[经济管理—金融学]