金融学毕业论文英文资料翻译(中英文全)Word文档下载推荐.doc

金融学毕业论文英文资料翻译(中英文全)Word文档下载推荐.doc

《金融学毕业论文英文资料翻译(中英文全)Word文档下载推荐.doc》由会员分享，可在线阅读，更多相关《金融学毕业论文英文资料翻译(中英文全)Word文档下载推荐.doc（14页珍藏版）》请在冰豆网上搜索。

专业：

班级：

姓名：

学号：

指导教师：

2012年6月

ImprovetheconceptoffinancialsupervisioninruralareasAmericanJournalofAgriculturalEconomics，2009.

XunQian

FarmersinChina'

svastpopulation,hassomelarge-scaleproductionofthefarmers,butalsosurvival-orientedfarmers,hugedifferencesbetweenthefinancialneedsofruralfinanceintermediationmakescomplex,togetherwithagricultureitselfistheprofitlow,naturalandmarketriskshighriskdecisiontoweakagriculturalindustrycharacteristics,resultinginthecostofruralfinancialtransactionsisfarhigherthanthecity,alsodecidedtoorganizetheruralfinancialsystemintermsofoperationorinthemarkethasitsownspecialcharacteristics.20yearsoffinancialreform,financialdevelopmentwhiletheChinesecitymadeimpressiveachievements,buttheruralfinanceistheentirefinancialsystemisstilltheweakestlink.Insufficientsupplyofruralfinance,competitionisnotsufficient,farmersandagriculturalenterprisesingettingloansandotherissuesisalsoveryprominent,backwardruralfinancialsystemcannolongereffectivelysupportthedevelopmentofmodernagricultureorthetransformationoftraditionalagricultureandthebuildingofnewsocialistcountryside,whichtoimprovetheruralfinancialsupervisionnewtopic.

China'

sruralfinancialregulatoryproblems

（A）theformationofChina'

sfinancialregulatorysystemhad"

alinethreecommission"

（People'

sBank,theSecuritiesRegulatoryCommission,InsuranceRegulatoryCommissionandtheBankingRegulatoryCommission）financialregulatorystructure.Bank

Thesestringentrequirements,differentmanagementanddiversificationofmonitoringhasitspositiverole,butitalsohadsomenegativeeffects.First,inefficientsupervision,supervisionofinternalconsumptionofhighcosts,limitedfinancialindustrybusinessdevelopmentandinnovationspace.Second,theregulatoryagencies,regulatorybodiesandtheinformationasymmetrybetweencentralbanks,banking,securities,andinsurancemechanismsofcoordinationbetweenregulatorybodiesare

notperfect.Informationbetweencentralbanksandregulatoryagenciesisdifficulttoshare,isdifficulttocreateeffectivemonitoringforce.Basicallybetweenthevariousregulatorsintheirrespectivestateregulators,regulatorypoliciesandmeasurestooverlappingorconflictingphenomenahaveoccurred,unabletocopewithChina'

scurrentruralfinancialmarketcomplexityanddiversityandsoon.Third,financialinstitutionshaveliquidityriskoroutofthemarketandsoon,maybeexcessivebecausethecentralbankassistance,financialinstitutionsandfinancialinstitutionsledtothepersonincharge"

capacityrisk"

and"

moralhazard"

orforfinancialinstitutionsregulatoryarbitragepossibilities;

addition,sincethelackofrecourse,mayadverselyaffectthefinancialstability.

（B）ruralfinancialecologicalenvironmentisnotin-depth

Thecurrentfinancialenvironmentinruralcountybuildingstillremainsinthelettertheuser,village,township,communitydevelopmentcreditlevel,"

government-led,human-propelled,departmentalinteraction"

andcreateamechanismforfinancialecologicalenvironmentinruralareaslack.Localgovernmentsandauthoritiestheimportanceoffinancialknowledgeoftheecologicalenvironmentisnotdeep,implementationandfunctionsofindividuallocalprotectionismandheavy,thereisinterferencewiththefinancialsectorcreditandotherdailybusinesssituation.Ruralcreditsystemlag,lackofbadcreditpunishmentmechanism,ruralbusinessesandresidentsintheoverallcreditawarenessisnothigh,ruralfinancedevelopmentandexpansionofsocialservicesandsocialprotectionoftheenvironmenthasnotyetformed.

（C）China'

sexistinglegalsystemoffinancialsupervisionandanumberofshortcomings,cannotguaranteethatfinancialregulationisreasonable,effective,standardizedimplementation

First,regulatorylag,supportingregulationsareincomplete,thecontentistoorough,toosimple,thebanking,securitiesandinsurancesupervisionlawsandregulationsmoreold,agenerallackofquantitativescience.Supervisoryregulationsandstandards,regulatorymethodsandtechnicalmeansnotmeetregulatoryrequirementsinthemarket.Staffintheactualimplementation,noteasytograspthescale,mayofoperation.Second,theChineseregulatorsandtheregulatedobjectsexistsomeinterest,andtheexistingregulations,lackofsupervisionandregulatoryenforcementaretoensurethatfinancialregulationcannotbejustandreasonable.Finally,China'

sfinancialsupervisionisstilldifficulttoshakeofftheinertiaoftheexecutive-styleregulatoryimpact.

（D）oftheRuralF