普惠金融视角下的银行商业特许经营:模式创制、制度解构与移植路径
发布时间：2018-09-10 07:08
【摘要】：与传统的直接投资入股模式不同,澳大利亚Bendigo银行通过商业特许一系列Bendigo社区银行创制了银行商业特许经营模式。社区银行由社区居民和企业筹资设立,Bendigo银行在自身不用资金投入的情况下,通过商业特许经营将自身成熟的产品服务、运营管理、股权结构、公司治理等输入社区银行,两者合力共同构筑了Bendigo社区银行运作多年的成功。当下我国普惠金融的载体村镇银行困境丛生,但其与Bendigo社区银行在产生背景、设立初衷及发展定位等众多方面高度类似,从而构筑了坚实的制度移植基础。废除村镇银行中备受诟病的主发起行制度,以适格大型成熟银行所采用的商业特许经营模式来进行制度替代,并结合我国金融生态文化进行本土化移植,或可开启村镇银行走出困境的普惠农村之路。
[Abstract]:Different from the traditional mode of direct investment, Bendigo Bank of Australia has created the commercial franchise mode of bank through a series of commercial franchise Bendigo community banks. Community banks are set up by community residents and enterprises to raise funds. Bendigo Bank, without capital investment, inputs its mature products and services, operation management, equity structure, corporate governance and so on into community banks through commercial franchising. The two have worked together to build up the success of Bendigo community bank operation for many years. At present, there are a lot of difficulties in village banks of inclusive finance in our country, but they are highly similar to Bendigo community banks in many aspects, such as background, original intention and development orientation, thus constructing a solid foundation of institutional transplantation. To abolish the system of initiating bank, which has been criticized in the village and town bank, to replace the system with the commercial franchise mode adopted by the suitable large and mature banks, and to carry on the localization transplantation with the combination of the financial ecological culture of our country. Or can open the village and town bank out of the predicament of the road of rural Huihui.
【作者单位】： 山东大学法学院;
【基金】：笔者主持的国家社科基金青年项目《普惠金融视角下银行商业特许经营模式法律问题研究》(16CFX047)的阶段性成果
【分类号】：D961.1;DD912.28
本文编号：2233743
[Abstract]:Different from the traditional mode of direct investment, Bendigo Bank of Australia has created the commercial franchise mode of bank through a series of commercial franchise Bendigo community banks. Community banks are set up by community residents and enterprises to raise funds. Bendigo Bank, without capital investment, inputs its mature products and services, operation management, equity structure, corporate governance and so on into community banks through commercial franchising. The two have worked together to build up the success of Bendigo community bank operation for many years. At present, there are a lot of difficulties in village banks of inclusive finance in our country, but they are highly similar to Bendigo community banks in many aspects, such as background, original intention and development orientation, thus constructing a solid foundation of institutional transplantation. To abolish the system of initiating bank, which has been criticized in the village and town bank, to replace the system with the commercial franchise mode adopted by the suitable large and mature banks, and to carry on the localization transplantation with the combination of the financial ecological culture of our country. Or can open the village and town bank out of the predicament of the road of rural Huihui.
【作者单位】： 山东大学法学院;
【基金】：笔者主持的国家社科基金青年项目《普惠金融视角下银行商业特许经营模式法律问题研究》(16CFX047)的阶段性成果
【分类号】：D961.1;DD912.28
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