我国新型农村金融机构联动监管模式设计--一个博弈视角下的分析框架

Design on Coordinated Regulatory Approach For China's New Rural Financial Institutions:An Analytical Framework Based on Game Theory

2004年开始的新一轮农村金融增量式改革续写了农村金融发展的新篇章,农村金融机构数量急剧增加,竞争性增强,但由于现阶段我国新型农村金融机构监管模式落后,不能适应我国当前农村金融的快速增长,农村金融改革的主要矛盾已经由农村金融供给跟不上需求的步伐转变成农村金融监管跟不上农村金融组织发展的脚步。因此,创新我国新型农村金融机构监管模式成为破解新一轮农村金融改革突破口。

The beginning of a new-round rural finance incremental reform in 2004 has added a new chapter to the development of rural finance,with dramatic increase in the number of rural financial institutions and the intensified competitions among them.However,due to the backward regulatory approach for China＇s new rural financial institutions,it can not meet the rapid growth of current China＇s rural finance,and the main contradiction of the rural financial reform,i.e.that the rural financial supply can not keep up the pace with its demand has changed to that the rural financial regulation can not keep up the pace with organizational development of rural finance.Therefore,innovation of regulatory approach for China＇s new rural financial institutions has become a breakthrough to crack a new round of financial reform in rural areas.