我国新型农村金融机构的可持续发展及其监管研究

Research on the Sustainable Development and Supervision of the New Rural Financial Institutions in China

2007年到2017年经过十年的时间,以服务三农为目标的新型农村金融机构整体上呈现出较快的发展趋势。但新型农村金融机构整体上还存在着可持续发展后劲不足、类型发展不平衡、风险把控质量不佳等问题;同时还面临着部分村镇银行、小额贷款公司发展偏离支农方向,市场准入过严、监管方式滞后等监管问题。要解决这些问题,必须通过引进民营资本、科学界定授信额度等促进其发展的可持续性;通过加强经营范围的监管、开展分类评估监管等措施使新型农村金融机构的监管体系更加完善。

From 2007 to 2017,the new rural financial institutions targeting at serving three rural areas has been maintaining a rapid development.But there still exist problems such as the delayed effect of sustainable development,unbalanced development types,poor quality of the control the risk,etc.Meanwhile,it is also facing some supervision problems,such as,some rural banks and some small loan companies＇ development deviating from the direction of supporting agriculture;too strict market access and lagged supervision style,etc.To solve these problems,we must introduce private capital and scientifically define credit limits to promote the sustainability of its development.We should strengthen the supervision of business scope,carry out classified evaluation and supervision,and improve the supervision system of new rural financial institutions.