CAJ | 학술논문

村镇银行作为新型农村微小金融机构，经营业务的主要范围是商业银行的传统存贷业务。村镇银行产生声誉风险的主要原因在于资经营时间短，资本规模小、公司治理水平较低和显性存款保险制度缺失等。必须从增加资本规模、完善公司治理水平、尽快建立显性存款保险制度等方面入手，提高村镇银行的盈利能力和服务水平，增加客户对村镇银行的认可度，以促进村镇银行的可持续发展。
촌진은행작위신형농촌미소금융궤구，경영업무적주요범위시상업은행적전통존대업무。촌진은행산생성예풍험적주요원인재우자경영시간단，자본규모소、공사치리수평교저화현성존관보험제도결실등。필수종증가자본규모、완선공사치리수평、진쾌건립현성존관보험제도등방면입수，제고촌진은행적영리능력화복무수평，증가객호대촌진은행적인가도，이촉진촌진은행적가지속발전。
Rural banks, small-and medium-sized financial institutions, mainly deals in traditional deposit and loan business of com-mercial banks. The main causes for credit risk of rural banks lies in their short running time, small size of capital, lower managing level and absence of explicit deposit insurance system, etc. It is imperative to enhance their capital scale, perfect their managing level and establish explicit deposit insurance system as soon as possible so as to improve their profitability and service level, increase the recognition degree of clients and promote sustainable of rural banks.