村镇银行经营困境与可持续发展—来自浙江省村镇银行发展状况的调查

摘  要：2007年3月，全国首家村镇银行在四川成立。村镇银行的开业试点，标志着我国农村金融服务体系中又增添了一支新的力量。一个种类多样、治理更灵活的新型农村金融服务体系正在逐步建立。但作为新生事物，村镇银行在试点中不可避免的遇到了许多具体问题，受到各种内外部因素的制约。本文以浙江省村镇银行的设立和发展情况为切入点，分析了当前村镇银行面临的经营困境，并通过借鉴孟加拉乡村银行的成功经验，对村镇银行的可持续发展前景做了进一步探讨。
关键词：村镇银行；金融抑制；金融创新

The difficult operation and sustainable development of village banks
      
Abstract：In March 2007, the first rural bank in China was established in Sichuan. The trial operation of the rural bank marked a new player in the China's rural financial service system. A new rural financial system of various kind and more flexible management is being gradually established. But as a newborn thing，it is inevitable to meet Various Problems during the experiments，and it is restricted by internal and external factors.The composition is based on the foundation and development situation of village banks in Zhejiang province.It analysed the problems which the banks are facing, and made a further discussion according to the successful experiences of  Bangladesh grameen bank for sustainable developing
Key　words:village bank；financial repression；financial innovation

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