摘要
随着农村金融准入的放开,目前各大外资银行看准了我国农村金融市场的巨大潜力,通过各种方式为农村地区提供信贷服务。由于外资银行对东道国银行体系效率的提高有赖于有效竞争环境的改善,因此该文借鉴其他国家在金融监管的一些做法,对我国农村地区的外资银行监管从市场准入和资金投向两个方面进行了剖析,并提出了严格监管的改进措施,包括严格审查外资银行资格,限制外资银行的股权比例,完善信息披露机制,并将其履行义务情况同相关权利的获得挂钩等。
With the opening of rural banking industry, foreign banks see the huge potential of rural financial market and provide credit service for rural area by all kinds of means. Whether foreign banks can promote the efficiency of the native banking system depends on efficient competitive environment, other countries＇ measures in financial supervision were laken for reference and the supervision of market entry and investment direction to foreign banks in rural area was analyzed. Moreover, some measures to improve supervision such as strict examination of foreign banks＇ qualification and restricting its equity ratio were out forward. At the same time, infonmtion disclosure mechanism must be imoroved, and its obligation nmst be correlative with the rights.
出处
《安徽农业科学》
CAS
北大核心
2009年第15期7214-7216,共3页
Journal of Anhui Agricultural Sciences
关键词
外资银行
农村金融
监管
Foreign banks
Rural finance
Supervision
