新型农村金融机构市场准入法律制度分析-analysis on the legal system of market access for new rural financial institutions.docx

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2018-06-03 发布于上海
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新型农村金融机构市场准入法律制度分析-analysis on the legal system of market access for new rural financial institutions.docx

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新型农村金融机构市场准入法律制度分析-analysis on the legal system of market access for new rural financial institutions

establishmentprincipleofruralfinancialinstitution.Theestablishmentprincipleofnew-typeruralfinancialinstitutioninourcountryisthedoctrineofapproval,whichrestrainedtheeffectofwide-admittancepolicyinruralfinance.Ourcountryshouldlearnfromforeigncountriesanddrawontheirexperience,andestablishvariousestablishmentprinciplestoruralfinancialinstitutionscombinedwithpractice.Thenewpolicyofruralfinancehassomediscriminatoryrestrictionsonnon-bankcapitalbuyingashareincommerciallyfinancialinstitutions,whichleadstosomenegativeconsequences.Eliminatingthediscriminatoryregulationsofnon-bankcapital,itmaycausesomerisks,suchastheriskofexcessivecompetitionandcorrelationloan,theriskcausedbyinsufficientcapitalscale,theriskofinsufficientexperienceinoperationandmanagement,theriskofpayingexcessiveattentiontoself-returnandignoringsocialbenefits,andtheinefficiencyinsupervisionpower。Toeliminatethediscriminationagainstnon-bankcapital,thecorrespondingdissolvingmechanismshouldbesetup,suchasrestrictingmechanisminsubjectqualification,mechanisminminimumcapitalrequirementwithdisparity,controlmechanismofcorrelationloan,financingmechanismofcommercialbankstoruralfinancialinstitutions,innovatingsupervisionmeasuresandthecontrolmechanismintheoutflowofsurpluscapitalfromruralfinancialinstitutions.ThenewpoliciesofruralfinancealsohavesomedisadvantagesinregulatingthemembershipintheRuralFinanceCooperatives,itneedstobeperfected.Thebasicfunctionofregisteredcapitalistoprotectthefunctionofcreditors,scaleeconomiceffectandmarketregulation。Thefunctionofregisteredcapitaldiffersindifferenttypesofruralfinancialinstitutions,aswellasinthesameinstitutionsofdifferentareas.Sotheadjustmentofregisteredcapitalquotashouldbebasedondifferenttypesintermsoflocality，andadoptdifferentstandardsofregisteredcapital.Theeffectiveoperatingofenterpriseadministrationcannotbeguaranteedjustbyestablishingandimprovingorganizations.Aperfectoperatingstructurealsoneedstoguaranteetheincentive,supervisoryandbalancemechanismineffectiveoperationofenterpriseorga