农村资金互助社金融许可证制度的反思与变革——以金融许可证制度的功能为视角

Countryside capital help Imancial license system's rethinking and reform-take financial license system's function as angle

金融许可证具有择优功能、维持金融市场适度竞争功能、优化市场结构功能和公示功能。就农村资金互助社而言,这些功能或无存在之必要,或无实现之可能,金融许可证一定程度上反而成为制约农村资金互助社发展的障碍。为促进农村资金互助社的发展,我国应废除对之实行的金融许可证管理制度,但应当加强业务监管,防止农村资金互助社目标异化而产生的风险。

Financial licence system has some functions such as Select outstanding financial institutions,limit the number of financial institutions;optimize market structures,etc.But those functions is no need or impossible for rural finance cooperative.We should abolish financial licence system in order to promote the development of rural finance cooperative.