福建农村普惠金融机构市场竞争问题研究

Market competition of rural inclusive financial institutions in Fujian

从普惠金融角度分析福建农村金融机构,认为农村金融市场竞争中存在运营成本高、获利能力有限、金融机构风险大、缺乏风险分散与补偿机制、监管效率低、监管评级脱实向虚等问题。提出依靠配套政策、降低运营成本、建立风险监控机制、加强金融监管、改进监管评级等建议,以期更好地实施乡村振兴战略,推动普惠金融在福建的发展。

Fujian rural financial institutions are analyzed from the perspective of inclusive finance. It is believed that there are some problems in the competition of rural financial markets, such as high operating costs, limited profitability, high risks of financial institutions , lack of risk dispersion and compensation mechanism, low efficiency of supervision, and dereliction of supervision rating . Some suggestions are put forward, such as relying on supporting policies, reducing operating costs, establishing risk monitoring mechanisms, strengthening financial supervision and improving supervision ratings in order to better implement the Strategy of Rural Revitalization and promote the development of inclusive finance in Fujian.