本报告是中国村镇银行发展系列研究报告的第三本，以共享式规模化发展为主题，回顾了村镇银行规模化发展和坚守市场定位政策的演变，分析了至2019年全国村镇银行发展的最新状况，包括村镇银行数量、资产与业务规模、网点地域分布等特征，以及样本村镇银行的财务绩效和社会绩效。同时，本报告重点剖析了村镇银行由于规模不经济所带来的发展困境，并以三个村镇银行为典型案例，分析了村镇银行管理总部模式、投资管理型村镇银行模式、地市总分行模式和“多县一行”模式的规模经济效应及其社会效应，提出在数字化时代集群共享式规模化发展是村镇银行突破困境并实现髙质量发展的必由之路。

This report is the third in a series of research reports on the development of village and township banks in China, with the theme of shared large-scale development, reviews the evolution of the large-scale development of village and township banks and adheres to market positioning policies, and analyzes the latest development of village and township banks nationwide until 2019, including the characteristics of the number of village banks, assets and business scale, geographical distribution of branches, etc., as well as the financial performance and social performance of the sample village and town banks. At the same time, this report focuses on the development difficulties caused by the diseconomy of scale of village and town banks, and takes three village and town banks as typical cases to analyze the economies of scale and social effects of the management headquarters model of village and town banks, the investment management village and town bank model, the prefecture and city branch model and the "multi-county, one-bank" model, and proposes that the shared large-scale development of clusters in the digital era is the only way for village and town banks to break through the difficulties and achieve quality development.（AI翻译）