西部论坛
西部論罈
서부론단
JOURNAL OF CHONGQING TECHNOLOGY AND BUSINESS UNIVERSITY(WEST FORUM)
2013年
6期
19-26
,共8页
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
農村金融鑑管%農村金融服務%激勵正外部性%剋服負外部性%市場準入激勵%市場運行激勵%市場退齣激勵%政府救助激勵
농촌금융감관%농촌금융복무%격려정외부성%극복부외부성%시장준입격려%시장운행격려%시장퇴출격려%정부구조격려
rural financial supervision%rural financial service%incentive of positive externality%overcome of negative externality%market access incentive%market-oriented operation incentive%market withdrawal incentive%government relief incentive
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，以创新产品监管调适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。
我國傳統農村金融鑑管是以負外部性的剋服為目標，近年來已經逐漸意識到激勵性措施的重要性，併開始重視和探索激勵農村金融正外部性的具體實踐，農村金融鑑管思路開始從負外部性的剋服嚮正外部性的激勵轉變。目前，我國農村金融鑑管在正外部性激勵的具體實踐中，整體上激勵不足，但箇彆措施存在外部性“過度激勵”問題，且對諸鑑管目標的宏觀協調不夠。應以“降低門檻、放鬆準入”為導嚮完善市場準入激勵，以創新產品鑑管調適為覈心彊化市場運行激勵，以設置有序的法律退齣通道為目標形成市場退齣激勵，以嚴格限定政府援助條件為切入點約束政府救助激勵，進而實現我國農村金融鑑管從剋服負外部性嚮激勵正外部性的轉變。
아국전통농촌금융감관시이부외부성적극복위목표，근년래이경축점의식도격려성조시적중요성，병개시중시화탐색격려농촌금융정외부성적구체실천，농촌금융감관사로개시종부외부성적극복향정외부성적격려전변。목전，아국농촌금융감관재정외부성격려적구체실천중，정체상격려불족，단개별조시존재외부성“과도격려”문제，차대제감관목표적굉관협조불구。응이“강저문함、방송준입”위도향완선시장준입격려，이창신산품감관조괄위핵심강화시장운행격려，이설치유서적법률퇴출통도위목표형성시장퇴출격려，이엄격한정정부원조조건위절입점약속정부구조격려，진이실현아국농촌금융감관종극복부외부성향격려정외부성적전변。
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 .
