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日前，北京金融(rong)資產交(jiao)易所（以下(xia)簡(jian)稱(cheng)“北金所”）官網顯示，中國建(jian)設(she)銀行股份有限公司（以下(xia)簡(jian)稱(cheng)“建(jian)設(she)銀行”）欲打包轉讓27家村鎮銀行股權，掛(gua)牌(pai)價格為(wei)16億元。

中國人民大學教授趙錫(xi)軍表(biao)示：“從財務指標來看，村(cun)鎮(zhen)銀(yin)行(xing)(xing)(xing)整體情(qing)況較一(yi)般(ban)商業銀(yin)行(xing)(xing)(xing)存在(zai)比較大的差距。”同時他還(huan)表(biao)示：“今后很多村(cun)鎮(zhen)金融業務，不(bu)一(yi)定是通(tong)過物理銀(yin)行(xing)(xing)(xing)網點辦理，而是通(tong)過移(yi)動終端(duan)辦理。從這(zhe)個角度看，受地域(yu)限(xian)制的銀(yin)行(xing)(xing)(xing)牌照(zhao)價(jia)值在(zai)不(bu)斷下降。”

16億元打包掛牌

“浙(zhe)江武義(yi)建(jian)(jian)信(xin)村(cun)(cun)(cun)鎮銀(yin)(yin)行(xing)有限(xian)責(ze)任公司51%股權，蘇州常(chang)熟建(jian)(jian)信(xin)村(cun)(cun)(cun)鎮銀(yin)(yin)行(xing)有限(xian)責(ze)任公司51%股權，黑(hei)龍江肇東建(jian)(jian)信(xin)村(cun)(cun)(cun)鎮銀(yin)(yin)行(xing)有限(xian)責(ze)任公司51%股權……”，記者發現，清一色(se)帶有“建(jian)(jian)信(xin)”字樣(yang)的村(cun)(cun)(cun)鎮銀(yin)(yin)行(xing)股權轉讓消息(xi)，幾乎在北金所網站上(shang)刷了屏。

根據(ju)(ju)北(bei)金所掛牌(pai)(pai)信息，建設(she)(she)銀行(xing)擬(ni)打包轉讓(rang)(rang)27家(jia)(jia)村鎮銀行(xing)股權，掛牌(pai)(pai)價(jia)格(ge)共計16億元。據(ju)(ju)了解，該次交(jiao)易(yi)中(zhong)意向(xiang)受讓(rang)(rang)方須同(tong)時受讓(rang)(rang)建設(she)(she)銀行(xing)掛牌(pai)(pai)轉讓(rang)(rang)的(de)(de)全部27個轉讓(rang)(rang)標的(de)(de)，支付方式(shi)為(wei)一次性付款。 此外，意向(xiang)受讓(rang)(rang)方可以(yi)是一家(jia)(jia)境(jing)(jing)(jing)內銀行(xing)業(ye)金融(rong)機構，也可以(yi)是兩(liang)家(jia)(jia)公(gong)司（不(bu)得超過(guo)兩(liang)家(jia)(jia)，其中(zhong)至(zhi)少一家(jia)(jia)應為(wei)境(jing)(jing)(jing)內銀行(xing)業(ye)金融(rong)機構）組成的(de)(de)聯合(he)體；須擁有(you)至(zhi)少5年的(de)(de)控股或參股中(zhong)國境(jing)(jing)(jing)內村鎮銀行(xing)經驗。截至(zhi)2017年6月30日，境(jing)(jing)(jing)內意向(xiang)受讓(rang)(rang)方作為(wei)主發起(qi)人設(she)(she)立(li)并持續(xu)持股的(de)(de)村鎮銀行(xing)不(bu)少于20家(jia)(jia)且境(jing)(jing)(jing)內意向(xiang)受讓(rang)(rang)方合(he)并口(kou)徑下(xia)經審計總資產不(bu)少于1萬(wan)億元人民幣(bi)。

掛牌轉讓的村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)包(bao)括：浙江(jiang)武(wu)義建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、蘇(su)(su)(su)州常熟建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、黑龍江(jiang)肇(zhao)東(dong)(dong)(dong)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、安徽繁昌建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、河北豐寧(ning)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、湖南(nan)桃江(jiang)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)股(gu)份有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、河南(nan)新(xin)野建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、陜(shan)西安塞建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、寧(ning)波慈溪建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、上海浦東(dong)(dong)(dong)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、山(shan)(shan)東(dong)(dong)(dong)招遠(yuan)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、江(jiang)蘇(su)(su)(su)錫山(shan)(shan)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、江(jiang)蘇(su)(su)(su)泰興(xing)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、山(shan)(shan)東(dong)(dong)(dong)文登建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、浙江(jiang)淳(chun)安建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、山(shan)(shan)東(dong)(dong)(dong)鄒城(cheng)(cheng)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、浙江(jiang)麗水蓮都建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、浙江(jiang)蒼南(nan)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)股(gu)份有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、江(jiang)蘇(su)(su)(su)高淳(chun)武(wu)家嘴建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、重慶萬州建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、浙江(jiang)青田建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)華僑(qiao)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、江(jiang)蘇(su)(su)(su)武(wu)進建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、寧(ning)波寧(ning)海建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、山(shan)(shan)東(dong)(dong)(dong)滕州建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、浙江(jiang)江(jiang)山(shan)(shan)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、山(shan)(shan)東(dong)(dong)(dong)諸城(cheng)(cheng)建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)、江(jiang)蘇(su)(su)(su)海門建(jian)(jian)(jian)(jian)(jian)(jian)(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)村(cun)(cun)(cun)(cun)(cun)鎮(zhen)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)責(ze)(ze)(ze)(ze)(ze)任(ren)(ren)(ren)(ren)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)。

值得注意的(de)(de)(de)是，建(jian)設銀(yin)行主發起設立27家村鎮銀(yin)行，是這27家村鎮銀(yin)行的(de)(de)(de)第一大股(gu)東。建(jian)設銀(yin)行持有其中24家村鎮銀(yin)行51%的(de)(de)(de)股(gu)權(quan)。另外，建(jian)設銀(yin)行還分別持有上海浦東建(jian)信銀(yin)行60%的(de)(de)(de)股(gu)權(quan)，陜西(xi)安(an)塞建(jian)信村鎮銀(yin)行52%的(de)(de)(de)股(gu)權(quan)和浙江蒼南建(jian)信村鎮銀(yin)行35%的(de)(de)(de)股(gu)權(quan)。

27家村鎮銀行出資13.78億元

建(jian)設銀(yin)行(xing)(xing)2017年年報顯示(shi)，截至2017年末，27家(jia)村鎮(zhen)銀(yin)行(xing)(xing)注冊資(zi)本共計(ji)28.20億(yi)(yi)元(yuan)(yuan)，共計(ji)出資(zi)13.78億(yi)(yi)元(yuan)(yuan)，27 家(jia)村鎮(zhen)銀(yin)行(xing)(xing)資(zi)產總額共計(ji) 181.97 億(yi)(yi)元(yuan)(yuan)。若按北金(jin)所(suo)掛牌轉(zhuan)讓價(jia)格(ge)來算，轉(zhuan)讓成功(gong)后(hou)，建(jian)設銀(yin)行(xing)(xing)將獲得2.28億(yi)(yi)元(yuan)(yuan)收益。

與其他銀(yin)(yin)行(xing)(xing)業金融機(ji)構相比，村鎮銀(yin)(yin)行(xing)(xing)顯(xian)然(ran)不同的是，其服務區(qu)域受(shou)限(xian)于農村地區(qu)，客戶(hu)以農村、村鎮為(wei)主(zhu)。銀(yin)(yin)監會(hui)數據顯(xian)示，2017年末全國已組(zu)建的1601家村鎮銀(yin)(yin)行(xing)(xing)，近六成資產為(wei)貸(dai)款，戶(hu)均貸(dai)款余(yu)額37萬(wan)元，連續五(wu)年下降。

記者采訪(fang)到中央財經大學中國銀(yin)(yin)(yin)行業(ye)研究中心主(zhu)任郭田勇，他表示，建設(she)銀(yin)(yin)(yin)行此(ci)舉可能意在調整自身戰略布局，同時也有可能與村鎮銀(yin)(yin)(yin)行整體(ti)業(ye)績不佳(jia)有關。

趙錫軍(jun)表示：“村鎮(zhen)(zhen)銀行的特殊(shu)性決定了他的發展(zhan)空間與所(suo)在(zai)地區發展(zhan)有緊密關系。就我(wo)國經(jing)濟情(qing)況而言，農村區域經(jing)濟較城(cheng)市落后很(hen)多。從財(cai)務指標來看，村鎮(zhen)(zhen)銀行整體情(qing)況較一般(ban)商業銀行存在(zai)比較大(da)的差距(ju)。”

就村鎮銀(yin)(yin)行未(wei)來(lai)發展(zhan)趨(qu)勢，趙錫軍表示：“互聯網(wang)技術(shu)、通信技術(shu)不斷(duan)發展(zhan)，有很多村鎮金融(rong)業(ye)務不一定(ding)是(shi)通過物理銀(yin)(yin)行網(wang)點辦(ban)理，而是(shi)通過移動(dong)終(zhong)端辦(ban)理。所以，銀(yin)(yin)行業(ye)發展(zhan)不再是(shi)在(zai)不同地域設置越來(lai)越多的物理網(wang)點去開(kai)展(zhan)，從這個角度看，受(shou)地域限制(zhi)的銀(yin)(yin)行牌照價(jia)值在(zai)不斷(duan)下降。”