现行农村中小金融机构监管法律体系的主要问题及对策  

The Main Problems and Countermeasures of the Current Supervision Legal System of Rural Small and Medium Financial Institutions

作　　者：邓冰宁 DENG Bingning

机构地区：[1]中国人民银行长春中心支行,吉林长春130061

出　　处：《吉林金融研究》2020年第10期42-44,共3页Journal of Jilin Financial Research

摘　　要：近年来,农村中小金融机构在适应新的经营发展形势并实现转型发展的过程中,遭遇了困难和阻碍。现行监管法律体系形成时间较早,相关规定具有一定的滞后性,个别规定和"法律空白"已经无法满足实践的需要,难以帮助农村中小金融机构有效摆脱困境。在《商业银行法》等基础性监管法律法规即将修订的大背景下,本文全面梳理了现行监管法律体系的基础上,分析了其存在的主要问题,并有针对性地提出了政策建议。In recent years,rural small and medium-sized financial institutions have encountered difficulties and obstacles in the process of adapting to the new business development situation and realizing transformation and development.The current regulatory legal system is formed in years before,as a results,relevant provisions have certain lags,meanwhile,Individual provisions and"legal blank"have been unable to meet the needs of practice.Therefore it is difficult to help rural small and medium-sized financial institutions to overcome the difficulties effectively.In the background that the commercial bank law and other basic regulatory laws and regulations are about to be revised fundamentally,this paper comprehensively summarizes the current regulatory legal system,analyzes its main problems,and puts forward policy suggestions.

关 键 词：金融监管改革 农村中小金融机构监管 金融监管法律问题 

分 类 号：F830[经济管理—金融学]