论我国村镇银行的融资问题

村镇银行作为新型农村金融机构,在其发展的四年时间中暴露出诸多的问题,其中融资问题而导致的资金来源不足已成为制约村镇银行发展的瓶颈。从内源融资和外源融资渠道,分析了村镇银行融资困境产生的原因,进而提出放宽主发起人资格限制、给予税收优惠和利率贴息、加强对村镇银行的资金监管、提高村镇银行知名度和信誉度、改善村镇银行服务体系以及扩大村镇银行融资渠道的建议。

Analyses of the Difficulty of Village Bank Financing in China

As a new rural financial institution,many issues were exposed in the four years development of village bank.Financing problems caused by insufficient source of funds had restricted the development of village bank.The reasons for the difficulties of rural bank finance were expounded from the channel of internal and external financing.Further suggested were proposed such as widening sponsors credibility restric-tion,offering tax discounts and interests,strengthening financialmanagement of rural bank,improving credibility and awareness of rural bank,improving rural bank service system and enlarging rural bank financial channel.