CAJ | 학술논문

新一轮增量式农村金融机构改革加快了培育竞争性农村金融市场体系、完善农村金融功能和促进农村金融组织进一步发展与壮大的步伐。随着改革的推行,农村金融的主要矛盾已逐渐由竞争主体不足转向农村金融监管滞后于新型农村金融机构增长的矛盾。因此,农村金融改革的当务之急是加快农村金融机构监管模式创新。认真分析当前新型农村金融机构监管存在的问题,系统提出新型农村金融机构监管模式——＂目标导向＂监管模式的内涵、目标与原则,从建立统一核算系统,建立信用管理系统,完善法律制度以及改善监管环境等方面创新新型农村金融机构监管模式具有十分重要的现实意义。
신일륜증량식농촌금융궤구개혁가쾌료배육경쟁성농촌금융시장체계、완선농촌금융공능화촉진농촌금융조직진일보발전여장대적보벌。수착개혁적추행,농촌금융적주요모순이축점유경쟁주체불족전향농촌금융감관체후우신형농촌금융궤구증장적모순。인차,농촌금융개혁적당무지급시가쾌농촌금융궤구감관모식창신。인진분석당전신형농촌금융궤구감관존재적문제,계통제출신형농촌금융궤구감관모식——＂목표도향＂감관모식적내함、목표여원칙,종건립통일핵산계통,건립신용관리계통,완선법률제도이급개선감관배경등방면창신신형농촌금융궤구감관모식구유십분중요적현실의의。
A new round of incremental reform of rural financial institutions speeded up the cultivating competitive rural financial market system and improved the rural financial function and promoting rural financial organizations to further development and growth.With the development of reform,the main contradiction of rural finance has gradually become from the main competition understeer to rural financial supervision lag contradictions in the growth of new type of rural financial institutions.Therefore,accelerating the innovation of supervision mode of rural financial institutions becomes a pressing matter of the moment for the rural financial reform.It is significant to give a careful analysis of existing problems and put forward connotation,objectives and principles of the supervision mode for new rural financial institutions —＂Target orientation＂supervision pattern in a system view,to establish a unified accounting system,credit management system,to perfect the legal system and improve the regulatory environment and other aspects of innovation of supervision mode for new rural financial institutions.