三明村镇银行的可持续发展问题

村镇银行是一种新型的农村金融机构,它的发展现状、面临的问题及其可持续发展的对策成为社会各界关注的焦点。以三明市为例,该市的村镇银行存在着经营规模小、业务系统不畅、后发劣势、信誉不足、盈利能力较差和专业人才匮乏等不足之处。政府应当完善农村金融环境,加大对其政策扶持;村镇银行自身应当加强宣传,适当扩大服务范围,两者共同促进新农村的建设发展。

On the Sustainable Development of Rural Banks in Sanming City

The rural bank is a new type of rural financial institutions.Its present situations,problems and the countermeasures of the sustainable development has been the focus.Taking Sanming city as an example,its shortcomings include small scale,the imperfect business systems,the disadvantage of late coming,the insufficient prestige,the poor profitability and the shortage of professional talents.Therefore,in order to sustainably developing the rural bank and developing the rural economy,the government should improve the rural financial environment and perfect a series of policy measures;meanwhile,the rural bank also should reinforce propaganda and extend the service scope to jointly promote the construction and development of the new countryside.