农村金融增量改革实施效果研究  

The Implementing Effect and Further Measures of Incremental Financial Reform in Rural Areas

作　　者：梁静雅[1] 王修华[1] 杨刚[1] 

机构地区：[1]湖南大学金融与统计学院,长沙410079

出　　处：《农业经济问题》2012年第3期22-28,110,共7页Issues in Agricultural Economy

基　　金：国家软科学项目(编号:2011GXQ4B006);中国博士后基金(编号:20100470273);教育部人文社科基金青年项目(编号:10YJC790261);湖南省自然科学基金青年人才项目(编号:11JJB005);湖南大学985工程"两型社会"建设创新基地资助项目;湖南大学中央高校基本科研业务费专项资金项目

摘　　要：本文通过对新型农村金融机构的发起类型、地区分布、注册资本、可持续经营状况等进行分析,发现新一轮农村金融增量改革并没有达到预期效果。偏差原因在于自上而下的强制性制度变迁创新力度不足、监管部门之间政策措施不协调、政策目标与作为主发起行的商业银行利益长期不相容、监管制度设计存在缺陷。为此,从放宽准入限制、下放监管权、构建协调机制等方面提出进一步深化的政策建议。This paper analyzes the type of launching bank,regional distribution,registered capital and sustainable operating conditions of new rural financial institutions.we find that the effect of incremental financial reform in rural areas did not reach expectation.The deviation is mainly due to the inadequate innovation of top-down institutional change,inconsistent policies between the regulatory authorities,incompatibility between the policy objectives and interest of commercial bank,defect of regulatory system.Therefore,we put forward further policy recommendations from the relaxation of entry restrictions,delegating regulatory power and building coordination mechanisms.

关 键 词：新型农村金融机构 增量改革 制度变迁 特许权价值 

分 类 号：F832.35[经济管理—金融学]