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２０1２年 6 月
Impｒｏve the ｃonｃepｔ ｏｆ ｆｉnancial sｕｐerｖｉsion iｎ ruｒal areａs American Journal of Agricultural Economics,2009.
Ｘuｎ Ｑiａn
Farmers in Ｃｈｉｎａ's ｖast poｐuｌａｔｉｏn, ｈaｓ soｍe ｌarｇｅ-scａle ｐroｄuｃtｉoｎ oｆ thｅ farmeｒs, ｂut ａｌso surviｖａl-orienteｄ ｆａrmers, huge ｄiｆferencｅｓ bｅtweｅn ｔhe fｉｎａncｉａｌ nｅeds ｏｆ ｒuｒal finａnce ｉｎtｅrmeｄiatｉoｎ maｋｅs cｏｍplｅｘ, ｔogetｈｅr with ａgrｉculture iｔseｌf is the ｐrofｉｔ low, naｔuraｌ and ｍarｋｅt ｒisｋｓ hiｇh risｋ ｄeｃision ｔo weak ａgricultural inｄustry charactｅristicｓ, rｅsuｌｔiｎｇ in ｔhe ｃｏst ｏf rｕral ｆｉnanciaｌ ｔｒansaｃｔions iｓ far higheｒ tｈan the cｉty, aｌｓo deｃｉdｅd to organize the rural ｆinancial sｙｓtｅm in ｔeｒms ｏf opeｒaｔion oｒ ｉｎ ｔhｅ ｍarket hａs ｉts oｗn ｓｐeciaｌ chaｒａcｔeriｓtics. 20 ｙeａｒｓ of fiｎancｉａl refｏｒm, finａnciａl develｏｐmｅnｔ ｗｈile the Ｃｈｉnese citｙ maｄｅ iｍpｒessiｖｅ achｉeveｍeｎtｓ, ｂｕt ｔhｅ rural fｉnaｎce is tｈｅ ｅｎｔｉre fｉｎaｎｃiａl systｅm ｉs ｓtｉll the wｅａｋesｔ liｎｋ． Ｉnｓｕffiｃiｅnt ｓuｐply ｏｆ ruｒａl ｆｉnａncｅ, ｃｏｍpetiｔiｏn ｉｓ nｏt suｆfiｃｉent, ｆａrmeｒs and agricultural ｅnteｒprisｅs ｉn ｇetting lｏａns and otheｒ issueｓ iｓ ａｌsｏ veｒy promｉnenｔ, backwaｒd rurａl finaｎciａl sysｔｅm cａn no lonｇer effｅｃｔively suｐｐoｒｔ ｔｈｅ dｅvｅｌｏpmenｔ oｆ mｏdｅrn ａgricｕlｔｕre oｒ the tｒansｆormａtioｎ of tｒａdｉtionａl aｇｒiｃultｕrｅ and the builｄｉng oｆ new ｓocｉalist cｏuｎｔｒyｓide, ｗhich ｔo ｉｍｐrove tｈe ruraｌ fｉnａnｃiaｌ supｅrｖiｓion neｗ topic.
Chinａ'ｓ ruｒaｌ ｆinancｉal regulａtory prｏblemｓ
(A） ｔhe foｒmaｔｉon of Chｉna'ｓ fiｎancｉaｌ regｕlaｔorｙ ｓystem had "a lｉne thｒeｅ commission " (Ｐeｏpｌｅ's Ｂank, thｅ Secｕritｉes Rｅgｕlatory Ｃommｉssioｎ, Inｓuｒance Regｕｌatｏrｙ Ｃｏｍmisｓion and tｈe Ｂaｎkiｎg Rｅgulatｏrｙ Comｍissｉｏn) ｆinancial ｒｅgｕlatｏry ｓtrｕｃtuｒｅ. Ｂａｎk
Ｔhｅse sｔｒｉｎｇent ｒeｑｕｉreｍents, diffｅreｎt ｍaｎaｇemｅnｔ and ｄiversification of ｍｏｎitｏriｎｇ haｓ itｓ pｏｓｉｔive ｒｏｌe, buｔ ｉｔ also had sｏmｅ nｅgative efｆectｓ. Fｉrｓｔ, ineｆｆicｉｅnt ｓｕpｅrviｓｉon, supeｒviｓion ｏf inｔernaｌ coｎｓｕmp