基于金融监管视角的农村信用社改革研究

近年来,不断发展的金融市场和不断出现的金融风险要求监管机构设计并实施基于原则、灵活的监管标准,以确保银行体系的安全和稳定,并为银行业创新提供发挥的空间,促进经济与金融的良性互动。农村金融是我国金融体系中最薄弱的环节,也是当前新农村建设中遭遇的"瓶颈"。重新设计以监管提高农村信用社改革效率的路径,更好地发挥农村信用社在新农村建设中的作用。

Reform of Rural Credit Unions on the Basis of Financial Supervision

In recent years,the booming financial market and continuous risks requires supervision institute to build and implement monitoring standards with principle and flexibility,so as to ensure the security and stabil- ity of bank system and extend the space of innovation in banking industry,promoting a sound interaction be- tween economy and finance.Rural finance,as the weakest link in our finance system,remains the bottleneck in building new-typed rural areas.It has significance to redesign the path to improving efficiency of rural credit unions and to bring into full play of their roles.