| 新型农村金融服务主体与发展定位:解析村镇银行 |
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| 引用本文： | 王煜宇.新型农村金融服务主体与发展定位:解析村镇银行[J].改革,2012(4):116-123. |
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| 作者姓名： | 王煜宇 |
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| 作者单位： | 西南政法大学中国农村经济法制创新研究中心 |
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| 基金项目： | 国家社会科学基金重大项目“农村收入超常规增长的要素积聚与战略协同研究”(批准号:11&ZD047);国家社会科学基金项目“农村金融法律制度改革与创新”(批准号:08XFX011);国家自然科学基金项目“农村金融可持续发展的服务创新与风险控制:基于动态竞争的视角”(批准号:70973100) |
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| 摘 要： | 新一轮针对农村金融的密集调控收效不大,新型农村金融机构未能充分发挥服务"三农"的功能,却在一些地区开始变为地方政府的融资工具。有效根除新型农村金融机构发展的制度供给抑制,要改革新型农村金融机构组织与行为法律制度,保障其自身的营利能力;要完善新型农村金融机构监管法律制度,确保其服务"三农"的基本功能;要建立健全农村金融的总体法律框架,完善新型农村金融机构发展的外部法治环境,增进新型农村金融机构防范和抵御风险的能力。
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| 关 键 词： | 村镇银行 贷款风险 农村金融 |
New Rural Finance Agency and Its Developing Orientation:Analysis on Village Bank |
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| Wang Yuyu.New Rural Finance Agency and Its Developing Orientation:Analysis on Village Bank[J].Reform,2012(4):116-123. |
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| Authors: | Wang Yuyu |
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| Abstract: | New round centralized control of rural agricultural has not made some effect,and the new rural financial organization have not taken the function of proving services for agricultural development,but have changed into financial tool of local government in some areas.Therefore,to ensure their capability of making profits,it is necessary to eliminate the restraint of system supply of rural new financial organization,to reform their organizing and acting legal system.To ensure their play function of providing services for agriculture,rural areas and farmers,it is necessary to perfect the supervising legal system.To enhance the risk-preventing capability of them,it is necessary to set up the total framework of rural finance,and perfect their external legal environment. |
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| Keywords: | village bank credit risk rural financial |
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