农村金融服务可获得性_监管问题与制度创新

:[],,,,,,[];;:(1977),,(,200433),:,,,,,[1],,,202015,,(08ASH009)182009/8257,,,,,,:(),,,,,20072868,2645,80%,()89011,1154,15189(),,,217%,,12145%,9115%,10154%10125%(),,7700,315,,,,20072313%1916%,,,,:(),,2009/825719,,,,,,,,,(),,,8000,50001998,3,20042006317%,,(),,,(),,,,,,,,,(),202009/8257,,,,[2](),,,,,,,,:;,,,,,[3](),,,,,,,,,,(),,2009/825721[4],,,,,200810,77,,,(),8%,4%()2%,,,,,,,,2007,,3411%,211%,,,100%,,,,222009/8257(),(),,,,,,[5],,20086,1715%,1615%,15%,1379()12%,5152003,,,,,,,,,(),ATM,,,ATM10005125,10318ATMATM1000104146,1042145ATM38143120194,2006,,,,,,,2009/825723,,,,,:2005122007108,NimalA.Fernando200895720072008?194-196:[1]WordBank.Financeforall?Policiesandpitfallsinexpandingaccess[R].WordBankPolicyResearchRe2port,2008[2]UnitedNations.BuildingInclusiveFinancialSectorsforDevelopment[R].DepartmentofEconomicandSocialAffairs&UnitedNationsCapitalDevelopmentFund,UnitedNations,2006.[3]MichaelS.Barr.BankingthePoor[J].YaleJournalonRegulation,2004(21).[4]MichaelS.Barr.MicrofinanceandFinancialDevelopment[J].MichiganJournalofInternationalLaw,2005(26)[5]BerndBalkenhol.MicrofinanceandPublicPolicy:Outreach,PerformanceandEfficiency[M].PALGRAVEMACMILLAN,2007AccessibilityofFinancialService:RegulatoryIssuesandInstitutionalInnovationMengFeiAbstract:Agriculturaldevelopmentandnewsocialismruralconstructioncantgowellwithoutfinancialsupport.Soaccesstofinanceplaysimportantroleintheeradicationofpoverty.Financialregulatoryinstitu2tionalenvironmentsenhanceaccessibilitytofinance.Financialinstitutionalinnovationincludesregulatoryob2jects,approach,principles,andothers.Astoregulatoryobjects,regulatormustadoptaccesstofinancetoenhanceaccountabilityandregulatoryquality.Moreover,wemustuseincentive-regulationprinciple,tieredregulationandrisk-basedregulationapproachestoboostfinancialsupplyability.Andfinancialregulatoradoptsnewstrategiesonmarketentranceandprudentialregulation,withtheeconomicpoliciesandfinancialtechnicalsafeguards.Keywords:FarmersRightsandInterests;AccessibilityofFinancialService;InclusiveFinance[:20091614:][]F832122[]A[]1000-8306(2009)08-0018-07242009/8257