摘要
全球金融危机背景下,我国农村金融风险问题也开始显露,并成为制约当前农村经济乃至整个国民经济健康运行的一大障碍。对于我国这样一个具有典型二元经济特征的发展中国家而言,完善农村金融风险防范的制度体系,意义尤为重大。基于此,以市场化改革为导向,分别从微观风险预防、宏观风险监控和历史包袱化解三个角度,提出了加强农村金融风险防范制度建设的具体思路:健全农村金融机构的法人治理结构、内部控制制度和风险管理制度;建立与农村金融业信息化状况相适应的预警制度;建立健全农村社会信用制度体系;提供法律政策支持,设置专门机构处置农村金融不良债权。
In the new situation of global financial crisis,the problem of rural financial risk emerges in China,and becomes a big barrier restricting the healthy development of rural economy and even national economy. To China,a unique country with typical binary economic features,it is of great significance to strengthen and improve the system for guarding against financial risks. On this basis,this article,guided by market reform,puts forward concrete thoughts to strengthen the system construction against rural financial risks from three perspectives of microscopic risk prevention,macroscopic risk supervision and historic burden：to improve legal person management,internal control system,and risk management system of rural financial organs; to establish warning system corresponding with the rural financial information conditions; to establish and improve rural social credit system; and to provide legal policy support and set up special organs to handle non-performing claims.
出处
《重庆理工大学学报（社会科学）》
CAS
2010年第9期64-67,共4页
Journal of Chongqing University of Technology（Social Science）
基金
国家社会科学基金"农村金融法律制度改革与创新研究--基于法经济学的分析范式"(08XFX011)
重庆市社科基金"城乡统筹视角下农村金融可持续发展的服务创新与动态竞争战略研究"阶段成果
关键词
农村金融
风险防范
制度建设
rural finance
guarding against risk
system construction
作者简介
董文杰（1983-），男，河南商丘人，硕士研究生，注册会计师，研究方向：农村金融。
