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1、毕业论文英文资料翻译学 院： 专 业： 班 级： 姓 名： 学 号： 指导教师： 2012年 5月Improve the concept of financial supervision in rural areas American Journal of Agricultural Economics，2009.Xun QianFarmers in Chinas vast population, has some large-scale production of the farmers, but also survival-oriented farmers, huge differences
2、 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
3、, 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
4、 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 transforma
5、tion of traditional agriculture and the building of new socialist countryside, which to improve the rural financial supervision new topic. Chinas rural financial regulatory problems(A) the formation of Chinas financial regulatory system had a line three commission (Peoples Bank, the Securities Regul
6、atory Commission, Insurance Regulatory Commission and the Banking Regulatory Commission) financial regulatory structure. BankThese stringent requirements, different management and diversification of monitoring has its positive role, but it also had some negative effects. First, inefficient supervisi
7、on, supervision of internal consumption of high costs, limited financial industry business development and innovation space. Second, the regulatory agencies, regulatory bodies and the information asymmetry between central banks, banking, securities, and insurance mechanisms of coordination between r
8、egulatory bodies are not perfect. Information between central banks and regulatory agencies is difficult to share, is difficult to create effective monitoring force. Basically between the various regulators in their respective state regulators, regulatory policies and measures to overlapping or conf
9、licting phenomena have occurred, unable to cope with Chinas current rural financial market complexity and diversity and so on. Third, financial institutions have liquidity risk or out of the market and so on, may be excessive because the central bank assistance, financial institutions and financial
10、institutions led to the person in charge capacity risk and moral hazard, or for financial institutions regulatory arbitrage possibilities; addition, since the lack of recourse, may adversely affect the financial stability. (B) rural financial ecological environment is not in-depth The current financ
11、ial environment in rural county building still remains in the letter the user, village, township, community development credit level, government-led, human-propelled, departmental interaction and create a mechanism for financial ecological environment in rural areas lack. Local governments and autho
12、rities the importance of financial knowledge of the ecological environment is not deep, implementation and functions of individual local protectionism and heavy, there is interference with the financial sector credit and other daily business situation. Rural credit system lag, lack of bad credit pun
13、ishment mechanism, rural businesses and residents in the overall credit awareness is not high, rural finance development and expansion of social services and social protection of the environment has not yet formed. (C) Chinas existing legal system of financial supervision and a number of shortcoming
14、s, can not guarantee that financial regulation is reasonable, effective, standardized implementation First, regulatory lag, supporting regulations are incomplete, the content is too rough, too simple, the banking, securities and insurance supervision laws and regulations more old, a general lack of
15、quantitative science. Supervisory regulations and standards, regulatory methods and technical means not meet regulatory requirements in the market. Staff in the actual implementation, not easy to grasp the scale, may of operation. Second, the Chinese regulators and the regulated objects exist some i
16、nterest, and the existing regulations, lack of supervision and regulatory enforcement are to ensure that financial regulation can not be just and reasonable. Finally, Chinas financial supervision is still difficult to shake off the inertia of the executive-style regulatory impact. (D) of the Rural Fi
