| 村镇银行发展的制约因素及对策 |
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| 引用本文： | 曲小刚,罗剑朝.村镇银行发展的制约因素及对策[J].华南农业大学学报(社会科学版),2013,12(3):112-120. |
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| 作者姓名： | 曲小刚 罗剑朝 |
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| 作者单位： | 1. 中国传媒大学经济与管理学院，北京100024; 西北农林科技大学经济管理学院，陕西杨凌712100
2. 西北农林科技大学经济管理学院,陕西杨凌,712100 |
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| 基金项目： | 教育部“长江学者和创新团队发展计划”创新团队项目（IRT1176）；国家自然科学基金面上项目(71073126）；高等学校博士学科点专项科研基金课题(20100204110030） |
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| 摘 要： | 村镇银行的机构数量、信贷规模、公司规模和净利润快速增长，财务绩效不断改善。在股权结构中，民间资本占比较高。但是，培育的村镇银行数量未实现银监会计划目标，且机构分布偏向东部地区。其服务对象偏离农户，存贷比偏高，盈利水平偏低。针对制约村镇银行发展的因素，提出促进村镇银行发展的对策。
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| 关 键 词： | 村镇银行 主发起人制度 微型金融业务 |
| 收稿时间： | 2013/5/20 0:00:00 |
The Current Situation, Constraints and Countermeasures of the Development of Village Banks |
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| QU Xiao-gang
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LUO Jian-chao.The Current Situation, Constraints and Countermeasures of the Development of Village Banks[J].Journal of South China Agricultural University:Social Science Edition,2013,12(3):112-120. |
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| Authors: | QU Xiao-gang LUO Jian-chao |
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| Abstract: | The number of institutions, the credit scale, the company size and the net profit of village banks grow rapidly, and the financial performance improves continuously. The proportion of private capital is higher in the equity structure. However, the number of village bank failed to achieve the planning targets of the CBRC, and distribution of village banks is biased towards eastern region. The service object deviates from farmers, the loan-to-deposit ratio is higher, the level of profitability is low. Countering the factors restricting the development of village banks, we put forward some countermeasures to promote the development. |
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| Keywords: | village banks main sponsor system micro-finance business |
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