论文部分内容阅读
综述了新型农村金融机构在黄河三角洲地区的发展现状,指出金融机构曾推动了“三农”经济的发展,但由于资金紧张以及亏损等原因,营业网点较少,不能以更好地服务“三农”。介绍了黄河三角洲地区发展村镇银行的必要性:一是村镇银行能以更灵活的体制和管理方式为“三农”服务;二是村镇银行能够更好地服务和支持“三农”中的弱势群体;三是村镇银行是黄河三角洲全面发展“三农”事业的有力补充;四是村镇银行在服务“三农”方面优势明显。从政策优势、环境优势、经济优势3个方面分析了黄河三角洲地区发展村镇银行的可行性。探讨了黄河三角洲地区村镇银行发展面临的挑战:一是村镇银行短期收益难以见效;二是村镇银行资本金数据较大;三是竞争和经营压力较大。提出了黄河三角洲地区村镇银行发展的对策:一是明确区域内村镇银行服务对象;二是以点带面,辐射发展;利用IT技术降低信息不对称风险。
The status quo of the development of new-type rural financial institutions in the Yellow River Delta is reviewed. It is pointed out that financial institutions have promoted the economic development of agriculture, rural areas and farms. However, because of financial constraints and losses, the number of outlets is small and can not be better served “Three Rural ”. Introduced the necessity of developing rural banks in the Yellow River Delta: first, rural banks can serve “agriculture, rural areas and farmers” with more flexible system and management methods; second, rural banks can better serve and support the “three rurals” Third, rural banks are a powerful complement to the overall development of the Yellow River Delta and the cause of “agriculture, farmers and rural areas”; fourth, rural banks have obvious advantages in serving “agriculture, rural areas and farmers”. This paper analyzes the feasibility of developing rural banks in the Yellow River Delta from the aspects of policy advantages, environmental advantages and economic advantages. Discusses the challenges facing the development of rural banks in the Yellow River Delta: First, short-term returns of rural banks are hard to be effective; Second, capital accounts of rural banks are larger; Third, competition and operating pressure are greater. The countermeasures for the development of rural banks in the Yellow River Delta area are put forward: firstly, to clarify the service targets of rural banks in the region; second, to develop the radiation in a point-by-area manner; and to reduce the risk of information asymmetry by using IT technologies.