农村微型金融组织的制度缺陷与功能异化

发布时间：2018-05-06 10:23

本文选题：农村微型金融组织 + 制度缺陷　；参考：《经济问题》2012年04期

【摘要】：微型金融组织同时兼有社会扶贫功能和金融服务功能特性,但中国的农村微型金融组织却出现了功能异化,与传统金融组织之间有同质化的趋势,其关键在于中国农村微型金融组织的目标定位与制度设计的不协调。监管部门出台的各种规定和政策为农村微型金融组织形成正式结构提供了一个合法的依据,进而为其行为提供了规则或规范,然制度设计中缺少专门的评价标准以及强有力的监管约束,农村微型金融组织无法用社会价值标准来确定组织中各要素的价值,更不能阻止其追逐利益而偏离初衷的行为。实践当中的决定、通知、意见等政策性文件实际上是对微型金融组织的临时、非制度化的规管,尚未上升到法律层面,难以减少组织的动荡和维持组织的稳定性。
[Abstract]:Microfinance organizations have both the function of social poverty alleviation and the function of financial service. However, the rural micro-financial organizations in China have the function alienation and the trend of homogenization with the traditional financial organizations. The key lies in the disharmony between the target orientation and the system design of the rural micro-finance organization in China. The regulations and policies issued by the regulatory authorities provide a legal basis for the formation of a formal structure of rural micro-financial organizations and thus provide rules or norms for their conduct. However, there is a lack of special evaluation criteria and strong regulatory constraints in the design of the system, and rural micro-financial organizations cannot use the social value standard to determine the value of each element of the organization, let alone prevent them from pursuing interest and deviating from their original intention. In practice, policy documents such as decisions, notices and opinions are in fact temporary and non-institutionalized regulation of microfinance organizations, which have not yet risen to the legal level, and are difficult to reduce organizational instability and maintain organizational stability.
【作者单位】：重庆师范大学经济与管理学院;
【基金】：重庆师范大学基金项目(11XWB039)
【分类号】：F832.35

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