中国农村金融_双线_改革思路_比较与协调

20114156:周孟亮李明贤:我国从2004年开始进入增量式农村金融改革时期文章基于历史和逻辑的分析,首先研究了我国农村金融双线改革思路的形成过程和基本内容,即中央银行的改革思路是通过整合民间资本发展小额信贷来实现普惠金融,而银监会的改革思路是在严格控制风险的前提下,通过增设新型农村金融机构来填补金融服务空白在此基础上,文章分析了这种双线改革对农村金融改革进程和效果产生的影响,并提出了双线改革思路协调的基本框架和对策建议:,,,,(:09BJY099),,,,,:农村金融双线改革比较协调一问题的提出2004,,,20052010,,,:,,20104214,184,8,22,275,102;,,,20081231,725691,7800,304%,33%2008665158,6836,105%,76()(,2008;,2008;,2009;,2010;,2010;,2010):(2009);(2009);(2008),;(2009),;(2010),,,,,,,2003,,,,,,,,,二双线改革思路的形成过程和基本内容():,,2050~60,,,,,,2070~80,,2090,,,,2005,2005,,,,20063,,,,77201141561图1:中央银行普惠金融改革思路的形成过程,,,,,,,,:,,,():1998,,2003,,2006,,,2004,200612,(),,,,2070,7820101,,,,20111,,2005,9500,GDP696%592%2008,20072868,7%20096,2945,7082006()2图2:银监会渐进式农村金融改革思路的形成过程,,,,,,,,,,,三双线改革思路的不完全协调及其产生的影响,,,(),,;,,,20057,12,20078,,,,,,,7920113,,,,,,,,200912,172,148,1620114156,,,,,()20085,,,,1(1),,,2008,,,(2),,2011428,,15,10,2(3),2,200912,,,,,,2010,100,1,652,3,50%80,,,,,,,()201010,2348,1900,1600,842%,170,895%,50%,,,,表1:2010年10月末全国竞争力100强的小额贷款公司基本情况()()()()()50139631756326067.6146975882815756.236146531529423864.3100132331552323865.2:20104,,,,,2008,,,,520096,,,,,,,,20097,20092011四我国农村金融双线改革思路协调:框架设计与对策建议(),,,,,,,38120114156图3:我国双线改革思路协调实现普惠金融路线图3:,,,,,:(1),,,(2),,,,(3),,,,,,,,,(4),,,,,,(),,1,,,,,,,82(),,+++,+,,,,,,NGO,,+2,,,,,:(1),,,,,,,(2),,(3),,,(4),,,,3,,,,,,,NGO,,,,,,,:(1),,,(2),,,,4,,8320114156,,,,,,,,,,,,,,,,,,,:,2010:,:,2011:?,,2011,2:4457,2008:,:,2009:,:,2010::,,2010,4:813,2009:2008~2009,:Floro,MariaSagrario&DebrajRay,1997.VerticalLinksbetweenFormalandInformalFinancialInstitutions.ReviewofDevelopmentofEconomics.1(1):34-56.MatthausMaier,Ingrid&J.D.vonPischke,eds.,2007.MicrofinanceInvestmentFunds:LeveragingPrivateCapitalforEconomicGrowthandPovertyReduction.SpringerVerlag.(责任编辑:李茂)84