CAJ | 학술논문

村镇银行作为一种新型农村金融机构,是我国农村金融机构“正规化“改革的有力实践,也是解决农村金融供给不足的有效途径.按照村镇银行设立的相关规定,首先要支持与“三农”相关的其他金融供给无法满足的金融需求.然而相关证据表明,村镇银行的商业性追求利润增长与其支持“三农”的内在要求之间存在较大差距,使村镇银行本身失去了其独立、有效供给金融服务的功能;相反,成为其大股东有效拓广金融边界的制度安排.文章从村镇银行商业化经营与服务“三农”之间的矛盾出发,分别从村镇银行的制度设计缺陷以及现实困境等方面寻找村镇银行在我国农村地区可持续发展的可行路径.其中,村镇银行积极采取关系型借贷模式并有效吸收美国社区银行的发展经验可能是当前形势下化解矛盾的必由之路.
촌진은행작위일충신형농촌금융궤구,시아국농촌금융궤구“정규화“개혁적유력실천,야시해결농촌금융공급불족적유효도경.안조촌진은행설립적상관규정,수선요지지여“삼농”상관적기타금융공급무법만족적금융수구.연이상관증거표명,촌진은행적상업성추구리윤증장여기지지“삼농”적내재요구지간존재교대차거,사촌진은행본신실거료기독립、유효공급금융복무적공능;상반,성위기대고동유효탁엄금융변계적제도안배.문장종촌진은행상업화경영여복무“삼농”지간적모순출발,분별종촌진은행적제도설계결함이급현실곤경등방면심조촌진은행재아국농촌지구가지속발전적가행로경.기중,촌진은행적겁채취관계형차대모식병유효흡수미국사구은행적발전경험가능시당전형세하화해모순적필유지로.
As a new rural financial institution ,rural bank is the powerful reform practice of China’s rural fi‐nancial institutions and an effective way to solve the shortage of rural finance supply .According to the rel‐evant provisions set by rural bank ,its primary goal is to meet the financial needs related to the three agri‐cultural issues which other financial institutions can’t solve .However ,relevant evidences show that there is a big gap between the rural bank’s pursuit of commercial profit grow th and its inherent requirement of supporting the three agricultural issues .This makes the rural bank lose its function of supplying independ‐ent and effective financial service .On the contrary ,it becomes the institutional arrangements by which its big shareholders effectively outreach the financial boundary .Based on the contradiction between rural bank’s commercial operation and serving the three agricultural issues as the starting point ,this paper aims to find the viable path of town banks sustainable development in our country ’s rural area .The inevitable course to deal with the current contradictions is that the rural bank actively takes the relational borrowing mode and effectively absorbs the American community bank’s development experiences .