主发起银行制度虽具有利于村镇银行专业化运作、强化对村镇银行的监管、增强村镇银行的公信力和信誉度等积极效应,但与此同时也衍生了一系列问题:因主发起银行缺乏而致使村镇银行无法设立;隐性的将很多民间资本拒之门外限制了投资主体多元化,背离了村镇银行的设立初衷;导致村镇银行的其他投资者对经营管理漠不关心,造成村镇银行独立性欠缺,大股东过度控制等现象。有鉴于此,应对主发起银行制度予以废除。 Although the main banking system has the positive effect of facilitating the specialized operation of rural banks, strengthening the supervision of rural banks, and enhancing the credibility and credibility of rural banks, a series of problems have also arisen at the same time: Village banks can not be set up. Recessively turning a lot of private capital aside, it limits the diversification of investors and deviates from the original intention of rural banks. As a result, other investors of rural banks are indifferent to the operation and management, resulting in the lack of independence of rural banks. Large shareholders over-control and so on. In view of this, the main sponsor bank system should be abolished.