秩序与利益:农村金融分层监管模式选择分析

Order and Interests: Hierarchical Supervision Model of Rural Finance

维护农村金融市场秩序并保证金融安全需要选择合适的监管主体和恰当的监管方式,同时厘定各自的职责权限。理论和实践证明分层监管模式是适合中国国情和农村金融现状的监管方式,研究其作用具有重要意义。文章介绍分层监管背景及其对农村金融发展的必要性,从世界历次金融危机中总结金融监管的理论进展,并结合农村金融发生民间危机的实例论证维护金融秩序的重要性。在阐述中国传统监管模式下各方监管主体利益冲突的基础上,指出分层监管是协调各方利益的必然选择,并提出完善法律法规、加强中央对金融业的统一管理、明确地方政府部门职能定位、建立多层次的行业自律组织、培育公民的监督意识等实施路径。

In order to maintain the rural financial market order and financial security,it is important to choose the appropriate regulatory body and regulatory way. It is proved that hierarchical supervision model is a better way suitable for China’s actual conditions and the present status quo of rural finance. Firstly,the article introduces the necessity based on hierarchical supervision background,as well as the significance of maintaining the financial order based on analysis of some instances related to folk financial crisis. It holds that the hierarchical supervision model is an inevitable choice used for coordinating the interests of all parties. In future,we should perfect the laws and regulations,strengthen the central government’s unified management of financial industry,clear and definite functions positioning of local governments,establish self- regulatory organizations at all levels,cultivate supervision consciousness of the citizens,and so on.