江西省村镇银行发展中的问题及对策研究——以南康赣商村镇银行为例

江西省村镇银行业经过四年发展,对解决农村金融市场供需矛盾,提升农村金融机构服务水平起到了推动作用,但在运行中也出现了一些较为严重的问题,影响了江西省村镇银行业的持续稳定发展。村镇银行产生问题的原因主要在两方面：一方面是村镇银行自身的市场定位不清、金融创新不足、人员素质偏低、风险控制缺位、公司治理存在缺陷等内在因素;另一方面是政府缺乏支持村镇银行发展的清晰规划,监管机构未形成有针对性的监管框架,农村地区信用体系不健全等外在环境。因此,需要村镇银行通过改善业务经营和公司治理以形成有利的微观环境,同时政府应加大政策扶持力度,形成有利的宏观环境,最终促进江西省村镇银行业健康持续发展。

Problems and Countermeasures of Jiangxi Province During the Development of the Village Bank

Since its establishment 4 years ago, theRural Banking Industry of Jiangxi Province ,has played a catalytic role in easing the unbalance of supply and demand, and in enhancing the service level of rural financial institutions. Yet during the operation ,there aroused some serious problems which threatened its sustained and stable development.The main causes of the problems of rural banks are both internal and extemal： Ounclear market position ,lack of financial innovation, low quality of personnel, absence of risk control, flawed corporate governance; （~lack of a clear plan to support the development of rural bank on the part of government, lack of a targeted regulatory framework on the part of regulating institudes, the unsound credit system in rural areas .Therefore ,it is urgent that rural banks improve business operations and corporate governance to form a favorable micro-environment and at the same time ,the government introduce preferential policies to form a favorable macro environment, and ultimately to promote the healthy and sustainable development of rural banking industry of Jiangxi Province.