论农村资金互助社的政府有限监管

合作金融与政府监管存在内生的冲突,农村资金互助社的独立自主性决定了政府对其监管应当是有限的。除非出于维护社会公共利益的需要而由政府对农村资金互助社进行监管,互助社的设立、管理与运行应当主要留给社员自行决定。实际上,农村资金互助社通过其自主制定的章程,依靠当地的习惯规范以及互助社自身的特有优势,可以有效地进行风险管理。因此,就农村资金互助社的监管模式改革而言,我国当前银监会的监管职能需要收缩,监管的范围要改变,同时,农村资金互助社的自我管理能力也需进一步加强,但这些均需纳入法律的框架中。

Limited Government Supervision over Rural Financial Cooperatives

Conflicts of cooperative finance and government supervision is inevitable and autonomy of rural financial cooperatives predicates limitation of government supervision.Affairs such as organization,management and operation of the cooperatives should be determined generally by members rather than government unless out of demands of protection of social interests.Indeed,rural financial cooperatives can exercise risk management effectively under self-made regulations and customs while taking their own advantages.As such,the supervisory power of the China Banking Regulatory Commission should be limited and its supervisory scope be altered.At the same time,the self-regulating power of cooperatives should be enhanced.And most importantly,all said above should be accomplished within a statutory framework.