华东经济管理
華東經濟管理
화동경제관리
EAST CHINA ECONOMIC MANAGEMENT
2015年
6期
95-99
,共5页
农村资金互助社%监管效率%外部监管%内部管理
農村資金互助社%鑑管效率%外部鑑管%內部管理
농촌자금호조사%감관효솔%외부감관%내부관리
rural fund cooperatives%supervision efficiency%external supervision%internal management
文章分析了当前我国农村资金互助社监管效率低下主要体现在两个方面：一是正规资金互助社的风险可控，但是监管过严，经营成本偏高，发展缓慢；二是非正规资金互助社发展迅速，但是外部监管缺失、内部管理混乱，导致金融风险频发。因此，要在金融稳定与市场发展之间寻求平衡，以实现农村资金互助社的健康持续发展，避免走入农村合作基金会整体覆灭的厄运，必须通过完善外部监管、加强内部管理以及加快立法进程等，以提高监管效率、防范金融风险。
文章分析瞭噹前我國農村資金互助社鑑管效率低下主要體現在兩箇方麵：一是正規資金互助社的風險可控，但是鑑管過嚴，經營成本偏高，髮展緩慢；二是非正規資金互助社髮展迅速，但是外部鑑管缺失、內部管理混亂，導緻金融風險頻髮。因此，要在金融穩定與市場髮展之間尋求平衡，以實現農村資金互助社的健康持續髮展，避免走入農村閤作基金會整體覆滅的阨運，必鬚通過完善外部鑑管、加彊內部管理以及加快立法進程等，以提高鑑管效率、防範金融風險。
문장분석료당전아국농촌자금호조사감관효솔저하주요체현재량개방면：일시정규자금호조사적풍험가공，단시감관과엄，경영성본편고，발전완만；이시비정규자금호조사발전신속，단시외부감관결실、내부관리혼란，도치금융풍험빈발。인차，요재금융은정여시장발전지간심구평형，이실현농촌자금호조사적건강지속발전，피면주입농촌합작기금회정체복멸적액운，필수통과완선외부감관、가강내부관리이급가쾌입법진정등，이제고감관효솔、방범금융풍험。
The paper makes an analysis on the low supervision efficiency of rural fund cooperatives,which mainly reflects in the following two aspects. On the one hand,the risk of formal fund cooperatives is controllable,but they have problems such as strict supervision,high operating costs and slow development. On the other hand,the informal fund cooperatives develop rapidly,but they also have problems such as lack of external supervision,internal management confusion and frequent finan?cial risks. Therefore,we should seek the balance between financial stability and market development in order to achieve the healthy and sustainable development of rural fund cooperatives and avoid falling into the doom of the overall collapse of rural fund cooperatives. We must improve external supervision,strengthen internal management and accelerate legislation process so as to enhance the supervision efficiency and guard against financial risks.
