摘要
农信机构是我国数量最多、覆盖范围最广的金融机构,是当前农村金融市场的主力军,在支持乡村振兴、支持农业农村现代化方面发挥了重要作用。随着农信机构的定位逐步由合作性的金融机构转变为股份制金融机构,其自身的经营状况以及资产状况都有了明显改善。然而当前农信机构在发展过程中还面临一些掣肘,存在一系列产权与治理问题,部分农信机构还面临金融风险较大、缺乏可持续性等挑战。论文对上述问题进行了系统阐述,并对其产生的背景、原因进行了具体分析,最后分别从微观、中观以及宏观层面提出了一些有关提升农信机构可持续发展的对策建议。
Financial institutions within the RCC system,including rural commercial banks,rural cooperative banks and rural credit cooperatives(RCCs),are the ones with the largest number and the widest coverage in China.They are the main force of the current rural financial market and play an important role in the revitalization of rural areas and the agricultural and rural modernization.With the gradual transformation of the remaining rural cooperative banks and RCCs to shareholding financial institutions,their business operations and asset conditions have been generally improving.However,these financial institutions still face some challenges in their business operations and development.There are still a series of problems relating to their ownership and governance,some of which are vulnerable and also face severe financial risks.This paper systematically expounds the above problems,and analyzes their background and origins.Finally,this paper puts forward some policy suggestions to further promote the sustainable development of these financial institutions.
作者
燕翔
冯兴元
YAN Xiang;FENG Xing-yuan
出处
《农村金融研究》
2020年第1期3-9,共7页
Rural Finance Research
关键词
农信机构
可持续发展
产权与风险
金融风险
Financial Institutions within the RCC System
Sustainable Development
Ownership and Governance Problems
Financial Risks
