由农村资金互助组织谈中国合作金融体系重构——以温州Q资金互助会为例

发布时间：2018-10-30 09:38

【摘要】：合作金融体系在中国县域金融和农村金融体系当中具有不可替代的作用,也是中国深化金融体制改革内容之一。中国改革初期所设计的合作金融制度偏离了当时社会基本经济特征及环境基础,暂停或转制的结果留给中国合作金融改革的是一次历史教训,新一轮近十年的农村资金互助组织实践和成功经验为中国合作金融体系重构提供了契机。坚持"三维金融架构"理论基础、"合作制原则"、制度化与法规建设方略和"先农村、后城镇"是实现"国家总体发展目标"的基本要求;有关合作金融政府规制及其配套规制制定过程中的"双参与"与"双评估"流程化是"决策科学性"的基础;创新管理机制是提升合作金融组织管理水平的有效途径;充分发挥各级政府在中国合作金融体系中的作用和正确处理好各级政府与合作金融组织之间的关系是中国合作金融体系构建之基本保障。
[Abstract]:The cooperative financial system plays an irreplaceable role in the county and rural financial systems, and is also one of the contents of deepening the reform of China's financial system. The cooperative financial system designed in the early stage of China's reform deviated from the basic economic characteristics and environmental basis of the society at that time, and the result of suspension or transformation left a historical lesson for the reform of China's cooperative finance. The new round of rural mutual fund organization practice and successful experience provide an opportunity for the reconstruction of China's cooperative financial system. Adhering to the theoretical foundation of "three dimensional financial framework", the principle of "cooperative system", the general strategy of institutionalization and legal construction and the basic requirements of "first rural areas, then towns" are the basic requirements for realizing the "overall development goal of the country"; The process of "double participation" and "double evaluation" in the government regulation of cooperative finance and its supporting regulation is the basis of "scientific decision-making", and the innovative management mechanism is an effective way to improve the management level of cooperative finance organizations. Giving full play to the role of governments at all levels in China's cooperative financial system and correctly handling the relationship between governments at all levels and cooperative financial organizations is the basic guarantee for the construction of China's cooperative financial system.
【作者单位】：中国社会科学院金融研究所;
【分类号】：F832.35

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