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首页> 外文会议>Rural Finance and Credit Infrastructure in China >INSTITUTIONAL ISSUES AND PREREQUISITES FOR EFFICIENT SAVINGS MOBILIZATION AND ALLOCATION IN RURAL AND LESSER DEVELOPED REGIONS IN CHINA
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INSTITUTIONAL ISSUES AND PREREQUISITES FOR EFFICIENT SAVINGS MOBILIZATION AND ALLOCATION IN RURAL AND LESSER DEVELOPED REGIONS IN CHINA

机译：中国农村和低地发达地区有效节省和调动资金的制度性问题和前提条件

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摘要

This paper outlines the institutional prerequisites needed to achieve a commercially sustainable rural financial services industry in China. It presents a vision for a future rural financial services industry built around a core of commercially-oriented financial institutions operated with sound corporate governance structures and the autonomy to develop and price products appropriate to target clientele. Complementary services such as credit information registries, credit guarantee schemes, and collateral registries, when suitably arranged according to best practice principles, would reduce transaction costs and information asymmetries in the market. Improved prudential regulations and supervision capacity would promote overall banking sector soundness. The paper evaluates the actions needed to achieve such a vision, highlighting issues facing rural credit co-operatives (RCCs), state-owned commercial banks, and the potential role of development banks as well as current initiatives in creating complementary service providers. It outlines the capacity building efforts financial institutions will need to undertake and the reorientation of bank supervision functions that will need to occur. Finally, the paper advocates for the comprehensive implementation of a pilot project in commercially sustainable rural finance of sufficient scale to provide broadly applicable lessons, and provides details of the proposed pilot.
机译：本文概述了在中国实现商业上可持续的农村金融服务业所需的体制前提。它提出了一个未来农村金融服务行业的愿景，该行业建立在以商业为导向的金融机构的核心之上，该机构具有健全的公司治理结构和自主权，可以开发和定价适合目标客户的产品。根据最佳实践原则适当安排诸如信用信息注册中心，信用担保计划和抵押注册中心之类的补充服务，可以减少交易成本和市场上的信息不对称。审慎的法规和监管能力的改善将促进整个银行业的稳健性。本文评估了实现这一愿景所需采取的行动，重点介绍了农村信用合作社（RCC），国有商业银行，开发银行的潜在作用以及当前在创建补充服务提供商方面的举措所面临的问题。它概述了金融机构将需要进行的能力建设工作，以及需要进行的银行监管职能的重新定位。最后，本文主张在商业上可持续的农村金融中全面实施一个试点项目，其规模应足以提供广泛适用的经验教训，并提供拟议试点的细节。

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