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guan yu shang ye yin xing she li cun zhen yin xing de tan tao
Author(s): 
Pages: 99-101
Year: Issue:  9
Journal: Economic Tribune

Keyword:  村镇银行商业银行设立探究;
Abstract: 村镇银行作为一项金融制度安排,具有信息优势和关系优势,但也具有社会知名度低,吸储能力不足;金融产品单一,服务功能不完善;政策支持力度不够,发展受限等劣势.商业银行可以利用资金雄厚、人才聚集和较高的风险控制能力等优势设立村镇银行.商业银行在设立村镇银行的过程中,要明确服务“三农”的市场定位,大力发展小额贷款;结合市场需求创新产品和服务;激发农村金融需求.监管部门要建立符合村镇银行发展的监管制度.
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