鲶鱼效应与机制缺欠：村镇银行发展问题探析

摘要

村镇银行作为新生力量，对于改变农村金融供求状态具有鲶鱼效应。但其作用的充分发挥，还需要配套建设一系列机制和制度作为保障。%Town and village bank is emerging power and has ＂catfish effect＂ on rural finance demand and supply. But to take full advantage of town and village bank, the relevant institution and system should be built up.