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化解村镇银行风险的途径研究

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随着我国乡村振兴工作的持续推进以及金融体系改革的不断深化,国家越来越重视农村金融的发展。村镇银行在一定程度上解决了我国"三农"发展资金不足的问题,有效地增加了农村地区的金融支持力度。然而由于规模小、实力弱、认可度较低等原因,导致其风险增加。文章首先分析了村镇银行风险产生的具体原因,之后提出了提高准入门槛加强监管、完善市场化方式退出机制、稳步推进村镇银行的结构性重组以化解村镇银行风险的措施,最后分析了在化解村镇银行风险时应注意解决的四个问题。
Research on Ways to Resolve Risks in Country Banks
With the continuous promotion of rural revitalization work and the deepening of financial system reform in China,the country is paying more and more attention to the development of rural finance.Country banks have to some extent solved the problem of insufficient funds for the development of agriculture,rural areas,and farmers in China,ef-fectively increasing financial support in rural areas.However,due to factors such as small scale,weak strength,and low recognition,its risks have increased.The article first analyzes the specific reasons for the risks of country banks,and then proposes measures to increase the entry threshold,strengthen supervision,improve the market-oriented exit mecha-nism,and steadily promote the structural restructuring of country banks to resolve the risks of rural banks.Finally,it an-alyzes four issues that should be paid attention to when resolving the risks of country banks.

Country bank Rural finance Agriculturerural areasfarmers financial risk

裴晓勇

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晋中学院

村镇银行 农村金融 金融风险

2024

当代农村财经
中国农村财政研究会

当代农村财经

影响因子:0.157
ISSN:1007-3604
年,卷(期):2024.(3)
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