摘要
村镇银行在一定程度上缓解了农村金融供需不平衡的矛盾,改善了农村金融服务环境,增强了金融服务"三农"的有效性。但在发展过程中,区域布局失衡,偏离支持贫困地区的政策预期。文章从发展规模、发展速度、股权结构、资金规模、金融生态环境等方面比较了村镇银行发展的地区差异,剖析了村镇银行区域发展失衡的原因。
Village and township banks ease the contradiction of unbalanced development of rural finance in a way, improve the financial service of rural areas and increase the efficiency of finance serving farmers, agriculture and rural areas. But in its development, the regional unbalance occurs, which goes away from the policy expectation of helping backward rural areas. This paper compares the regional difference of village and township banks in scale, development speed, option structure, fund and environment of financial ecology and explores the causes the regional unbalanced development.
出处
《生产力研究》
2014年第2期50-54,167,共5页
Productivity Research
基金
北京市教委社科人文项目"新型农村金融机构建设对北京农村经济影响的实证研究"(SM201110037002)
北京市属高等学校人才强教深化计划项目(PHR201108310)
