我国村镇银行的声誉风险形成及防范研究

摘要

村镇银行作为新型农村微小金融机构，经营业务的主要范围是商业银行的传统存贷业务。村镇银行产生声誉风险的主要原因在于资经营时间短，资本规模小、公司治理水平较低和显性存款保险制度缺失等。必须从增加资本规模、完善公司治理水平、尽快建立显性存款保险制度等方面入手，提高村镇银行的盈利能力和服务水平，增加客户对村镇银行的认可度，以促进村镇银行的可持续发展。%Rural banks, small-and medium-sized financial institutions, mainly deals in traditional deposit and loan business of com-mercial banks. The main causes for credit risk of rural banks lies in their short running time, small size of capital, lower managing level and absence of explicit deposit insurance system, etc. It is imperative to enhance their capital scale, perfect their managing level and establish explicit deposit insurance system as soon as possible so as to improve their profitability and service level, increase the recognition degree of clients and promote sustainable of rural banks.