普惠金融视角下新型农村合作金融创新发展——兼谈“百信模式”与“山东模式”

The Innovative Development of New Rural Cooperative Finance from the Perspective of Inclusive Finance——the Comparative Study of "Baixin Model" and "Shandong Model"

"发展普惠金融"已成为党中央治国理政的新理念、新思想和新战略,是实现全面建成小康社会目标的重要内容。合作金融是普惠金融发展的重要组成部分,新型农村合作金融发展刻不容缓。当前我国农村存在"百信模式"和"山东模式"两种主要模式,"山东模式"正在创新性试点,从内在机制层面看,还有一些关键问题需要重视和解决。通过对"山东模式"与"百信模式"的比较研究,本文基于"山东模式"的实践经验提出,应该坚持普惠金融目标导向,加强对新型农村合作金融"创新性"的认识,在实践中坚持合作金融核心机制,创新合作金融监管,有效处理政府与市场的关系。

＂Development of Inclusive Finance＂, having become a new concept, new idea and strategy of the Party Central Committee, is an important part of achieving the goal of building a well - off society in an all - round way. ＂Cooperative fi- nance＂ plays a significant role in the development of ＂Inclusive Finance＂, and the development of new rural cooperative finance is of great urgency. Currently, there are two main modes of ＂Baixin Model＂ and ＂Shandong Model＂ in China＇s rural areas, the ＂Shandong model＂ is in stage of innovative pilot. From the pompeetive of internal mechanism, some key problems still existing in ＂Shandong Model＂ need paying attention to and being solved. Through comparative study of the ＂Shandong Model＂ and ＂Baixin Model＂, based on the practical experience of the ＂Shandong Model＂, this paper proposes that it is a must to adhere to the goal - oriented inclusive finance , strengthen the understanding of the ＂innovation＂ in new rural cooperative finance, persist in core mechanism of financial cooperation in practice, innovate the cooperative finance supervision and effectively deal with the relations of government and market.