| 鄂尔多斯市村镇银行发展探究 |
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| 引用本文： | 赛赫.鄂尔多斯市村镇银行发展探究[J].内蒙古师范大学学报(哲学社会科学版),2012,41(4):135-137. |
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| 作者姓名： | 赛赫 |
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| 作者单位： | 北京理工大学人文与社会科学学院,北京,100081 |
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| 摘 要： | 鄂尔多斯村镇银行发展过程中存在的主要问题是政府对村镇银行政策扶持力度不够,资金来源不足,存贷比高位运行,风险较大,内部控制监督不足,运营成本较高,农牧区保障制度不健全,牧民贷款有困难。村镇银行是解决鄂尔多斯当前金融链条短缺的有效途径,能够更好地支持中小企业的发展,规范农村非正规金融市场,缓解农村中小企业对于资金的需求。建议政府给予新型农村金融机构必要政策支持,村镇银行应建立有效的农村资金回流机制,解决资金来源不足问题,积极创新农村担保机制,创新农村金融发展模式和服务。
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| 关 键 词： | 鄂尔多斯 村镇银行 发展 |
Development of Rural Banks in Erdos |
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| SAIHE.Development of Rural Banks in Erdos[J].Journal of Inner Mongolia Normal University (Philosophy & Social Science),2012,41(4):135-137. |
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| Authors: | SAIHE |
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| Institution: | SAIHE(Academy of Humanity and Social Sciences,Beijing Institute of Technology,Beijing,China100081) |
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| Abstract: | The main problems in the development of rural banks in Erdos are as the follows:insufficient government support,inadequate funds,high ratio between deposit and loan,high risk,insufficient internal supervision,high costs,unhealthy insurance system and difficulties the herdsmen meet when borrowing.Rural banks are effective means to solve the lack of financial chains in Erdos at present,and can better support the development of small-and medium-sized entrepreneurs and regulate rural non-standard financial market,relieve the financial demands of these entrepreneurs.So it is suggested that the government offer policy support for new type rural financial organizations;rural banks should set up effective fund recycling mechanisms to solve the problem of inadequate funds and innovate actively the rural insurance mechanisms and rural financial development models and service. |
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| Keywords: | Erdos rural banks development |
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