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我国村镇银行是在农村金融改革过程中落实普惠金融发展理念的产物。村镇银行公司治理制度的有效设计,既要遵循公司法人治理的一般宗旨,又应兼顾草根金融和微型金融的机构特色。村镇银行的主发起银行制度过于严格、内部组织结构任意性规定偏多、存款人利益保护机制不健全等,严重阻碍了其可持续发展。针对村镇银行的发展现状,创新主发起银行制度,健全内部治理结构,优化存款保险制度等,极为必要。
China’s rural banks are the product of implementing the concept of inclusive finance in the process of rural financial reform. The effective design of the system of corporate governance in rural banks should not only follow the general purpose of corporate governance but also take into account the institutional features of grassroots finance and microfinance. The main bank-initiated bank system of village and town banks is too strict, the arbitrarily stipulated internal organizational structure is too large and the deposit protection mechanism is not perfect, which seriously hinders its sustainable development. In view of the development status of village and town banks, it is extremely necessary for innovators to launch the banking system, improve the internal governance structure and optimize the deposit insurance system.