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2006年12月,银监会颁布了《关于调整放宽农村地区银行业金融机构准入政策,更好支持社会主义新农村建设的若干意见》,首次提出村镇银行的概念。文章选取江西省首批试点之一的赣商村镇银行作为中资银行的代表,重庆市梁平县澳新村镇银行作为外资银行的代表,以实地采访调研和问卷调查相结合的方式,通过调研和数据采集对村镇银行的风险管理方面进行对比分析,通过对现状的分析发现其存在的不足之处,并提出可行性的建议,以推进村镇银行进一步发展。
In December 2006, China Banking Regulatory Commission (CBRC) promulgated the “Opinions on Adjusting and Accepting the Policy of Accepting Banking Institutions in Rural Areas to Better Support the Construction of a New Socialist Countryside”, putting forward the concept of village and town banks for the first time. This paper selects Jiangxi Commercial Bank, one of the first pilot projects in Jiangxi Province, as the representative of Chinese banks, and Chongqing New Town Village, Liangping County, Chongqing as the representative of foreign banks. By means of field interview and questionnaire survey, Data collection carries on contrastive analysis to the risk management aspect of the village bank. Through the analysis of the status quo, it finds out its shortcoming and puts forward the feasibility suggestion to promote the further development of the village bank.