村镇银行支农性制度构建研究

要保证村镇银行的支农性,可考虑借鉴美国《社区再投资法》的相关做法,在确保村镇银行盈利性和商业可持续性的前提下,明确规定其发放贷款的一定比例必须针对"三农"客户,特别是要对中低收入农户以及农村中小企业贷款的金额、发放笔数、贷款分布和占该机构在本社区贷款总额的比例等进行详细的规定,并建立合理的指标体系对村镇银行满足所在区域内贷款、服务需求的程度进行评价。与此同时,应强化执行力度和惩处措施。

On the Construction of Agriculture Supporting System of Village Banks

Ability and commercial sustainability of village can be laid upon village banks to meet the credit needs of local banks, a continuing and affirmative obligation community in which they operate, espaecially to low and moderate income individuals and families. The evaluation and records of the village banks will be taken into account in the bank＇ s applications for establishment of a domestic branch, merger, consolidation, acquisition of assets, or assumption of liabilities requiring approval and so on.