我国农村普惠金融发展法律保障体系的构建  

On Establishing Legal Guarantee System for Rural Inclusive Development in China

作　　者：谭正航[1,2] 

机构地区：[1]西南政法大学法学博士后流动站,重庆401120 [2]吉首大学法学与公共管理学院,湖南吉首416000

出　　处：《求实》2018年第2期97-108,共12页Truth Seeking

基　　金：国家社科基金一般项目"我国金融扶贫法律制度创新研究"(14BFX094);湖南省社会科学成果评审委员会课题"我国农村普惠金融体系建设法律保障研究"(XSP17YBZZ103);湖南省社会科学联合会智库课题"乡村振兴战略背景下加快湖南农村普惠金融发展对策研究"(15YBA316);武陵山区民族理论政策研究基地开放基金项目(16JDB064)

摘　　要：农村普惠金融既是农村金融发展目标与理念的重要创新,也是农村金融发展的高级形态。农村普惠金融发展战略的实现,不仅需要更新理念与价值目标,也需要完善法律保障体系。我国虽已初步建立农村普惠金融发展法律保障体系,但在指导理念、原则组成、体系框架、制度建设等方面还存在不科学、不适应、不系统、不完善的问题。我国农村普惠金融发展法律保障体系的构建,应贯彻普惠金融理念的指引作用,坚持市场主导调节、彰显金融公平、促进公众参与、差异化调整、强化金融消费者权益保护的基本原则,构筑以《促进农村金融发展法》为龙头,以农村商业金融法、农村政策金融法、农村合作金融法、民间金融法等为分支的法律框架体系,并从农村普惠金融发展管控、农村弱势者金融权利保护、制度实施保障三个维度构建基本制度体系。Rural inclusive finance is an important innovation in the goal and ideas of rural financial development and also a higher level of rural financial development. The realization of rural inclusive financial development strategy not only needs updating ideas and values,but also requires improving legal guarantee system. Although China has initially established the legal guarantee system for rural inclusive financial development,there are still problems in guiding values,principles,framework and system construction. To establish legal guarantee system for rural inclusive development,efforts should be made to uphold the guiding values of inclusive finance,insist on principles of market regulation,financial fairness,public participation,differential adjustment and financial consumer protection,build a legal system led by Law on the Promotion of Rural Financial Development and supported by subdivision laws,and work on three aspects: the control of rural inclusive financial development,the protection of financial rights of rural vulnerable groups and the guarantee of system implementation.

关 键 词：农村金融 普惠金融 农村普惠金融 法律保障体系 乡村振兴 管控性制度 保障性制度 

分 类 号：F832[经济管理—金融学]