摘要
我国商业银行的改革发展之路,是一个对市场化经营目标不懈追求的过程。但商业银行的市场化改革导致其“逃离”农村,进而造成农村金融资源供给不足。原因在于对商业银行进行市场化改革的进程中,忽略了相关激励、约束机制的培育,从而导致国家对农村金融宏观调控能力的弱化。完善商业银行法律制度,强化国家的宏观调控能力,是解决当前农村金融问题的关键所在。
Market-oriented management reform of commercial banks seems to be in particularly urgent demand following China＇s entry into WTO. However, the undergoing efforts seem to have led the commercial banks to ＂flee from＂ the rural areas, and consequently to a short supply of rural financial resources there. The major reason for this is the negligence to cultivate relevant incentive and restrictive mechanisms in the course of reforms, which has resulted in the weakened capacity for macroscopical regulation and control the national level. Henceforth, it is of vital importance to improve the legal system of commercial banks, and to strengthen the capacity for macroscopical regulation and control of the rural finance.
出处
《海南大学学报（人文社会科学版）》
CSSCI
2006年第1期12-15,共4页
Journal of Hainan University （Humanities & Social Sciences）
关键词
商业银行
市场化经营
农村金融
国家宏观调控能力
commercial banks
market-oriented management
rural finance
capacity for macroscopical regulation and control
