社區商業銀行：村鎮銀行之發展定位

Community Commercial Bank: the Development Orientation of Village Bank

村鎮銀行已發展六年，但其在市場定位、性質定位和區域定位上仍存困惑與搖擺。定位於覆蓋農村絕大部分經濟主體的社區型商業銀行是村鎮銀行的應然之選。相應的應將社區界定為市，但設立區域依然僅限於縣(或縣級市)和鎮(或鄉)，一定條件下可跨區域經營；為保證更多投資主體的參與以凸顯社區性，當允許村鎮銀行進行募集設立；當下立法對村鎮銀行極低註冊資本的要求，既低估了民間資本能量，也極易醞釀金融風險，應當大幅度提高村鎮銀行設立的資本門檻。 Village banks have developed six years， but their development orientations of the market， the nature and region operation are still unclear in rural areas is the practical choice of the village bank. “Community” should be defined as “city”， but the establishment area of village bank still should be limited to counties( or county-level cities) and the town； Cross-regional business can be allowed under certain conditions； To ensure the participation of more investment entities， the incorporation of village bank should be allowed by share offer； To prevent financial risks the registered capital threshold also should be increased substantially.