多元法学视角下的农村金融联结

The Rural Financial Linkage from the Perspective of Multi-law

当前,我国农村金融市场存在着正规金融和非正规金融,形成了以行政指导与市场调节相结合的农村二元金融体制,农村的金融需求不能得到满足,在此背景下,有必要探索建立资金反哺回流机制。农村金融联结在信息甄别、交易成本、抵押担保等方面存在优势,通过建立农村金融联结可以有效扩展农村金融服务。但是,应克服目前存在的法律文件位阶较低、担保物狭窄、风险监管不健全、乡村中介准入不明确等问题,在法律监管及合同条款设计上加以完善。

At present, the rural financial market in China has formal financial and informal finance, which forms the rural dual financial system with the combination of administrative guidance and market regulation, and rural financial needs cannot be met. In this context, it is necessary to explore the mechanism of capital reflux. Rural financial linkage have advantages in information screening, transaction cost, mortgage guarantee and so on. Through the establishment of rural financial linkage, rural financial services can be effectively expanded. However, we should overcome the existing problems such as the low level of legal documents, the narrow collaterals, the imperfect risk supervision and the imprecise access for rural intermediaries, so as to improve the design of the legal supervision and contract.