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| 浅析山西省村镇银行可持续发展
摘 要
村镇银行经过多年的发展已成为扎根基层、服务“三农”的重要金融机构。在乡村振兴战略背景下，探讨山西省村镇银行可持续发展，将有助于推动山西省农村金融体系健康发展，从而更好地助力金融扶贫、带动农村经济发展。本文以山西省村镇银行为研究对象，通过文献研究、对比分析的研究方法，在金融可持续发展理论的基础上认识村镇银行可持续发展，总结山西省村镇银行发展现况包括发展历程、当前现状等主要问题。总体来看，山西省的村镇银行发展形势较好，在激活农村金融市场、健全农村金融体系和支持农村经济发展方面发挥了重要作用。当然也存在政策支持不到位、同业竞争压力大、金融创新不足、盈利能力较弱、制度的制约等诸多问题。针对所出现的问题的解决，同时借鉴国外农村银行发展的成功经验，对山西省村镇银行的可持续发展提出建议：宏观方面要关注整体村镇银行发展的质量，建议金融政策与财政政策继续支持村镇银行、乡村振兴战略环境下发展村镇银行；微观方面应注重自我发展，提出完善资本结构以降低风险、注重创新形成竞争优势、吸纳人才等建议。
关键词：农村金融；村镇银行；可持续发展
Abstract
After years of development, the rural bank has become an important financial institution that has work in the grassroots level and serves "Agriculture, countryside, farmers". Under the background of rural revitalization,discussion of the sustainable development ofrural banks in Shanxi Province will help promote the healthy development of rural financial systems in Shanxi Province, thereby better assisting financial poverty alleviation, driving rural economic development. This paper takes Shanxi rural banks as the research object.Through literature research, comparison analysis research methods,based on financial sustainable development theory,the sustainable development of rural banks, summarizing the development of the rural banks of Shanxi Province, including development history, current status. Overall, the development situation of rural banks in Shanxi Province has played an important role in activating rural financial markets,and improving rural financial systems and supporting rural economic development. Of course, there is also many problems, for example, lack of policy support,the peer competitive pressure, insufficient financial innovation, weak profitability, and system constraints. In order to solve these problems,learn from the successful experience of foreign rural banks, the following suggestions are proposed for the sustainable development of the rural banks of Shanxi Province. On the one hand, the macro should pay attention to the quality of the development of the overall villages. It is recommended to support the development of rural banks and fiscal policies to continue to support rural banks and rural revitalization; on the other hand,microscopic should pay attention to self-development,and propose to improve capital structure Reduce risk and pay attention to innovation to form a competitive advantage, absorb talents.
Key words: Rural finance; Rural banks; Sustainable development
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