正外部性激励视野下的农村金融监管改革探析  

Analysis of Rural Financial Supervision Reform under the Perspective of Positive Externality Incentive

作　　者：江薇薇[1] 

机构地区：[1]重庆社会科学院产业经济与企业发展研究所,重庆400020

出　　处：《西部论坛》2013年第6期19-26,共8页West Forum

基　　金：国家社会科学基金青年项目(09CFX044)"统筹城乡发展背景下农村信用制度建设研究--基于成渝试验区的实证分析"

摘　　要：我国传统农村金融监管是以负外部性的克服为目标,近年来已经逐渐意识到激励性措施的重要性,并开始重视和探索激励农村金融正外部性的具体实践,农村金融监管思路开始从负外部性的克服向正外部性的激励转变。目前,我国农村金融监管在正外部性激励的具体实践中,整体上激励不足,但个别措施存在外部性"过度激励"问题,且对诸监管目标的宏观协调不够。应以"降低门槛、放松准入"为导向完善市场准入激励,以调适创新产品监管为核心强化市场运行激励,以设置有序的法律退出通道为目标形成市场退出激励,以严格限定政府援助条件为切入点约束政府救助激励,进而实现我国农村金融监管从克服负外部性向激励正外部性的转变。The traditional rural financial supervision in China aims to overcome negative externalities, in recent years, the importance of incentive measures is gradually known, the real practice in exploring the incentive of positive externality of rural finance is started, as a result, the idea for rural financial supervision begins to change from the overcome of negative externality to the incentive of positive externality. Currently, in real practice in positive externality incentive in rural financial supervision, the incentive is not enough as a whole, but ＂ over incentive＂ of externality exists in some measures, furthermore, macro coordination is not enough on many supervision objectives. The change of China＇ s rural finance supervision from overcoming negative externality to incentivizing positive externality can be realized by perfecting market access mechanism with the orientation of ＂lowering threshold and loosening the access＂, by consolidating market-oriented operation incentive by taking innovating products supervision adjustment as the core, by establishing market withdrawal incentive by setting up ordered legal withdrawal path as the goal, and by restricting governmental relief incentive by strictly limiting governmental support requirements.

关 键 词：农村金融监管 农村金融服务 激励正外部性 克服负外部性 市场准入激励 市场运行激励 市 场退出激励 政府救助激励 

分 类 号：F832.35[经济管理—金融学]