摘要
放宽农村金融市场准入,是建设普惠金融体系的重要方面。新型农村金融机构的发展存在质量和数量问题,表现在农村社区、监管部门和现代金融体系对新型农村金融机构的"排异"。对于农村金融准入政策的放宽,最优金融结构、渐进式增量变迁、机构多元等观点为其提供了有力支持,而制度缺失和内外双乏力观点则对其提出了质疑。当新型农村金融机构进入金融生态系统时,会被金融生态系统中的惯习识别为异类,并最终被组织体系、监管体系和服务对象排异。建设普惠金融体系,要合理定位新型农村金融机构,实施分类指导监管,并完善支持体系。
It is the key to engineering the rural financial supply and developing the financial inclusion that relaxing the access to rural financial market. The new rural financial institutions failed to solve the problems of rural finance as expected, and didn＇t reach the quality and quantity goals, embodied in the rejection of rural communities, supervision departments, and modem financial system to new rural financial institutions. The theories such as optimal financial structure, incremental incremental change andinstitutional pluralism support the policy to relax the access to finance, but the theories such asinstitutional voids and internal and external double fatigue query the policy. The financial rejection theory provide another perspective, when new rural financial institutions enter the financial ecosystem, the conventionalists in the financial ecosystem identify them as aliens, and organization system, supervision system and service objectsare activated and ultimately reject these institutions. It is necessary to position the new rural financial institutions reasonably, classify regulation and improve the supporting system in order to build an inclusivefinancial system.
出处
《福建农林大学学报（哲学社会科学版）》
2016年第4期1-6,共6页
Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)
基金
中国人民大学科学研究基金(中央高校基本科研业务费专项资金资助)项目(15XNI009)
关键词
金融准入
金融生态系统
金融排异
普惠金融
access to finance
financial ecosystem
financial rejection
financial inclusion
