摘要 随着金融深化和利率市场化的推进，县域农村商业银行面临外部形势复杂多变和内部变革需求强烈交织的局面，地区金融市场竞争压力越来越大，简单的修修补补已难以满足县域农村商业银行发展的需要，县域农村商业银行再次面临关键改革关口。通过深入分析农商银行认识误区，提出全面推动县域农村商业银行在地市层面的合并、融合与提升，成立地市级联合农村商业银行的改革发展路径，从而增加农村商业银行资本与规模，推进农村商业银行公司治理的现代化，促进农村商业银行地方优势的发挥，更好地为地方经济社会服务发展。

关键词 农村商业银行;机构改革;创新;路径

中图分类号 S-9   文献标识码 A  文章编号 0517-6611（2021）14-0225-03

Abstract With the deepening of finance and the advancement of interest rate marketization， countylevel rural commercial banks are facing a complex and changeable external situation while the need for internal reform is also strongly intertwined. The pressure of competition in the regional financial market is increasing， and simple repairs are no longer applicable to the current status of countylevel rural commercial banks. Countylevel rural commercial banks once again face a key reform hurdle. Through indepth analysis of the misunderstandings of rural commercial banks， it is proposed to comprehensively promote the merger， integration and improvement of countylevel rural commercial banks at the prefecture and city level， and establish a reform and development path for prefecturallevel joint rural commercial banks， thereby increasing the capital and scale as well as modernizing the governancerural of rural commercial banks， which will give play to the local advantages of rural commercial banks， so as to stimulate the development of local economy and the community services.

Key words Rural commercial bank;Institutional reform;Innovation;Route

作者简介 汪强（1973—），男，安徽岳西人，经济师，从事金融改革研究。

收稿日期 2020-12-19

习近平总书记在中共中央政治局“完善金融服务、防范金融风险”第十三次集体学习中指出，要以金融体系结构调整优化為重点，优化融资结构和金融机构体系、市场体系、产品体系，为实体经济发展提供更高质量、更有效率的金融服务[1-4]。随着金融改革的不断深化，县域农村商业银行在资本规模、金融科技、内部控制等方面与全国性商业银行、互联网金融机构相比，都处于相对的劣势，面临的发展形势较为严峻。如何通过机构改革，适应形势发展，突破竞争瓶颈，成为农村商业银行下一步必然的选择。机构改革主要路径有4条，即分设、合并、撤销、职能调整。……