增量式农村金融组织“成长”研究:政府与市场协调视角

The Research on Incremental Rural Finance Organization “Growing”:Based on Perspective of Government and Market Coordination

金融成长的核心问题是金融组织成长过程中政府作用与市场行为的关系问题,当前我国对政府与市场关系的理论提升对增量式农村金融组织成长提出了新的目标要求,我国增量式农村金融组织成长离不开政府与市场的有效协调。政府行政管制色彩浓厚,改革目标定位和政策设计存在缺陷,市场力量得不到充分发挥,不利于实现新一轮农村金融改革目标。需要在基于市场化前提下开展政府有效监管,明晰政策目标,加大政策创新力度,构建农村金融风险外溢有效防范机制。

The core issue of financial growth is the relationship between market behavior and government role in the growth of the financial organization. Now the theory about relationship between government and market is promoted to a new high level in China, which puts forward new goals and objectives for rural financial organization incremental growth, the incremental growth of rural financial organization can not do without effective coordination of government and market. The government administrative strict controlling, the flaws of reform target orientation and policy design, the power of market cannot be exerted fully, all of these are not conducive to achieve the target of new round of rural financial reform. It is very necessary to carry out effective regulation based on the premise of marketization, clearing reforming policy goals, further implementing policy innovation, building effective prevention mechanism of rural financial risk spillover.