金融创新视角下的村镇银行发展研究

从国际上社区银行的产生与发展的历史角度,分析这种银行制度是金融创新的结果,说明金融创新对于村镇银行的生存与发展具有十分重要的意义;从制度创新、管理创新、产品和服务方式创新等方面,总结和分析我国村镇银行在金融创新方面取得的进步以及存在的不足,提出村镇银行的创新需要从观念创新入手,同时,还要加快产品设计和管理激励机制等方面的创新步伐,为村镇银行创造良好的发展环境。

Village and town bank development research under financial innovative angle

From the international community banks on the creation and development of the historical perspective, analysis of this banking system is the result of financial innovation, indicating financial innovation for the survival and development of village banks is of great significance; from system innovation, management innovation, products and services innovative approach in terms of summary and analysis of China’s village banks in financial innovation has made progress and shortcomings of the proposed village bank＇s innovative concept of innovation needs to start at the same time, but also speed up product design and management of incentives and other aspects of the pace of innovation for village banks to create a favorable environment for development.