黄河三角洲发展村镇银行必要性·可行性及对策研究

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。

Research on Developing Village and Town Bank in Yellow River Delta

The statust quo of new-type rural financial institutions in the Yellow River delta is summarized. It is pointed out that these financial institutions have improved the development of economy concerning agriculture,rural areas and peasants,but due to the shortage of capital,deficit and many other reasons,the outlets is fewer,which can not serve the agriculture,rural areas and peasants well. The necessity of developing rural banks in the Yellow River delta is introduced:firstly,rural banks can serve the agric...