农村金融改革中的公平理念与创新思路

Philosophy of Equity and Innovative Ideas in the Reform of Rural Finance

农村金融中的不公平现象较为突出,所以改革应确立的法律理念之一便是公平融资。建议允许农民发起设立或收购银行和其他金融机构,如私人钱庄、小额贷款公司、典当行、村镇银行;通过立法要求银行将可运用资金中的50%以上投放当地;要求政策性银行直接或间接向农民放贷;设置政策性担保机构以弥补市场不足。

The phenomena of unfairness are very obvious in rural finance, so equitable financing should be adopted as one of legal philosophies of the reform. The author argues that peasants should be allowed to estab-lish or take over banks and other financial institutions, such as private money shop, micro-credit company, mortgage company, village bank; 50% or more of working fund of local banks should be put into the local market by law;policy banks should grant credit to peasants directly or indirectly;policy security institutions should be established to supplement insufficiency of the market.