摘要
合作金融作为弱小经济实体的自我保护组织在农村金融领域扮演着重要的角色。日本的农村合作金融是世界上公认的运行比较成功的典范之一。当前,我国正在实施农村合作金融改革,我国的农村信用社缺乏统一的结算网络,农村合作金融发展还不完善。借鉴日本的经验,我们应建立存款保险制度,给予政策倾斜,对历史包袱问题,可以借鉴国有商业银行的经验成立资产管理公司,从而使得农村合作金融机构轻装上阵。
Cooperative finance, a self-protection organization for small and weak economic entity, plays an important role in financial field of villages. Cooperative finance of Japanese villages is considered one of established successful model. Currently, our country is practicing cooperative finance in villages but the rural credit offices are lack of unified settlement network, so its development needs to be further perfect. Taking Japanese experience for reference, we should establish a deposit insurance system and provide more support in policy. As to historical burden, we can found corporations on asset management like state-owned business banks so that the organizations of cooperative finance in villages can take part in business competition without burden.
出处
《商业经济》
2007年第6期71-73,共3页
Business & Economy
关键词
合作金融
发展
经验
cooperative finance, development, experience
