新型农村金融机构监管创新:“目标导向”模式  

Innovation of Supervision Mode for New Type Rural Financial Institutions: A Target Orientation View

作　　者：文春晖[1,2] 孙良顺[1] 

机构地区：[1]湖南农业大学经济学院,长沙410128 [2]中国社会科学院工业经济研究所,北京100836

出　　处：《西北农林科技大学学报（社会科学版）》2013年第3期1-6,共6页Journal of Northwest A&F University(Social Science Edition)

基　　金：国家社会科学基金项目(12CJY063;11CJY047);湖南省教育厅优秀青年项目(11B059);湖南省软科学项目(2012ZK3145)

摘　　要：新一轮增量式农村金融机构改革加快了培育竞争性农村金融市场体系、完善农村金融功能和促进农村金融组织进一步发展与壮大的步伐。随着改革的推行,农村金融的主要矛盾已逐渐由竞争主体不足转向农村金融监管滞后于新型农村金融机构增长的矛盾。因此,农村金融改革的当务之急是加快农村金融机构监管模式创新。认真分析当前新型农村金融机构监管存在的问题,系统提出新型农村金融机构监管模式——"目标导向"监管模式的内涵、目标与原则,从建立统一核算系统,建立信用管理系统,完善法律制度以及改善监管环境等方面创新新型农村金融机构监管模式具有十分重要的现实意义。A new round of incremental reform of rural financial institutions speeded up the cultivating competitive rural financial market system and improved the rural financial function and promoting rural financial organizations to further development and growth.With the development of reform,the main contradiction of rural finance has gradually become from the main competition understeer to rural financial supervision lag contradictions in the growth of new type of rural financial institutions.Therefore,accelerating the innovation of supervision mode of rural financial institutions becomes a pressing matter of the moment for the rural financial reform.It is significant to give a careful analysis of existing problems and put forward connotation,objectives and principles of the supervision mode for new rural financial institutions —＂Target orientation＂supervision pattern in a system view,to establish a unified accounting system,credit management system,to perfect the legal system and improve the regulatory environment and other aspects of innovation of supervision mode for new rural financial institutions.

关 键 词：新型农村金融机构 金融创新 “目标导向”模式 金融监管 

分 类 号：F323.9[经济管理—产业经济]