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当前村镇银行在发展中还面临着农村信用环境不佳、资金来源不足、风险过大等问题,这些因素阻碍了村镇银行的进一步发展,亟待解决。村镇银行在下阶段发展中应进一步放宽市场准入法律机制,使更多的民间资本能够进入农村金融系统,满足农村金融需求;在法律监管方面应放松法律监管而不是采取严厉的法律监管措施,以降低村镇银行的合规成本;在内部治理方面应按照《公司法》等法律法规,加强中小股东权益保障,避免银行业金融机构一股独大,导致村镇银行异化为银行业金融机构在农村中的分支机构;在风险防范方面,村镇银行应加强金融业务的法律风险防范,并采取一定的风险防范创新措施,有效地回避风险。
At present, the development of rural bank banks still faces the problems of poor credit environment in rural areas, insufficient sources of funds and excessive risks. These factors have hindered the further development of rural banks and are in urgent need of solution. In the next stage of development, village and town banks should further relax the market access legal mechanism so that more private capital can enter the rural financial system to meet the rural financial needs; legal supervision should be relaxed rather than strict legal supervision measures to Reduce the compliance cost of rural banks; in the aspect of internal governance, strengthen the protection of the rights and interests of small and medium shareholders in accordance with the Company Law and other laws and regulations, and avoid the monopoly of banking financial institutions, resulting in the alienation of rural banks into banking financial institutions in rural areas In terms of risk prevention, rural banks should strengthen the legal risk prevention of financial services and adopt certain risk prevention and innovation measures to effectively avoid risks.