新改制农村商业银行大量引入域外资金的潜在风险及对策建议

A Large Amount of Capital outside Region was Introduced into the New Rural Commercial Banks

农村金融改革是中国金融改革的重要组成部分,随着农村金融改革的推进和不断深入,农村信用社改制农村商业银行也驶入快车道。2016中央一号文件《中共中央国务院关于落实发展新理念加快农业现代化实现全面小康目标的若干意见》中明确指出,"开展农村金融综合改革试验,探索创新农村金融组织和服务。开展农村信用社省联社改革试点,逐步淡出行政管理,强化服务职能。"将农村金融改革的重点放在了农村信用社的改革上。近年来农村信用社改革的步伐明显加快,成效显著。但是农信社改制农商行,快速发展的过程中,为了优化各项指标、增加市场份额,大量吸收大额异地资金存款(以下简称"域外资金"),域外资金的非常规增长蕴含了潜在风险,不容忽视。

Rural financial reform is an important part of China's financial reform.With the advance and deepening of rural financial reform,rural credit cooperatives restructuring and rural commercial banks also enter the fast lane.2016,the Central Committee document No.1,"the Central Committee of the Communist Party of China,the State Council on the implementation of the new concept of speeding up agricultural modernization and achieving the goal of a welloff society in an all-round way"clearly pointed out that"carry out the rural financial comprehensive reform experiment,explore and innovate rural financial organizations and services.We should carry out the reform pilot of the rural credit cooperatives provincial Union,gradually fade out the administrative management and strengthen the service function.The focus of rural financial reform is on the reform of rural credit cooperatives.In recent years,the pace of the reform of rural credit cooperatives has been speeded up and remarkable results have been achieved.But the reform of rural credit cooperatives of agricultural firms,the process of rapid development,in order to optimize the indicators,increase market share,absorb a large number of large remote deposit fund(hereinafter referred to as"foreign capital"),the abnormal growth of foreign capital contains potential risks can not be ignored.