农村金融改革风险分析及对策研究——以浙江省丽水市为例

The Risk Analysis and Countermeasure Study of Rural Financial Reform——Taking Lishui City,Zhejiang Province as an Example

以浙江省丽水市为例,分析了农村金融改革风险形成的内在因素,包括农业先天风险、滞后的制度和法规建设、农村金融机构自身的经营管理缺陷、乡镇企业效率低下、监管缺失、政策性风险等。进而从风险分散和补偿机制的建立、相关法律法规的建设、农村金融机构自身建设的完善和外部监管的加强等方面提出了相应的政策建议。

With Lishui City, Zhejiang Province as example, the internal factors of rural financial reform risk were analyzed, including agricul- tural inherent risk, delay of the construction of system and regulation, the management defects of rural financial institutions, the low efficiency of township enterprises, lack of supervision, policy risks etc. Then the corresponding policy recommendations were put forward from aspects of es- tablishment of risk dispersion and compensation mechanism, construction of relevant laws and regulations, improvement of rural financial institu- tion, strengthen the external supervision and etc.