一、当前影响与制约和谐央行建设的一些不利因素1.基层央行员工队伍素质难以更好地适应构建和谐央行的要求。一是人员老化严重。基层央行尤其是县级支行多年来人员只出不进,人员平均年龄多在40岁以上。二是知识和能力欠缺。员工的知识结构和素质与履行央行职能的要求还有一定的 I. Current Adverse Factors and Constraints Some Adverse Factors in the Construction of Central Banks 1. The quality of the staff in the grassroots central banks is hard to be better adapted to the requirements of building a harmonious central bank. First, serious aging staff. Grass-roots central banks, especially county-level sub-branches over the years only unable to enter, the average age of more than 40 years of age. Second, lack of knowledge and ability. The knowledge structure and quality of employees and the performance of central bank functions require a certain degree