农村金融诈骗风险防范与治理探析.docxVIP

农村金融诈骗风险防范与治理探析 王新玉刘淑娥 中央财经大学经济学院北京财贸职业学院金融学院 摘要： 随着农村居民收入提高和农村金融的蓬勃发展，农村金融诈骗风险日趋严重。农 村金融诈骗会对农村居民、金融机构、金融行业甚至整个国家的经济运行造成危 害。很多经营不规范公司向农村转移，农村居民金融理财渠道相对匮乏，农村金 融监管权责不清晰，农村居民金融风险防范意识薄弱等是农村金融诈骗高发的 原因。因此，应通过采用严厉打击金融诈骗犯罪，鼓励传统金融机构金融下乡， 鼓励正规互联网金融公司扶持三农，加强农村金融监管，提高农村居民金融知 识普及等措施防范和治理农村金融诈骗风险。 关键词： 农村金融诈骗;风险防范与治理;互联网金融; 作者简介：王新玉（1981-）,女，山东淄博人，博士研究生，讲师，研究方向 为金融经济、人力资木； 作者简介：刘淑娥（1975-）,女，山东济宁人，经济学博士，副教授，研究方 向为金融经济、国际金融。 收稿日期:2017-09-05 基金：北京市教委人文社科计划面上项目“京津冀协同发展下城市群金融密度时 空差异分析 ” （SQSM201751638005） Analysis on the Prevention and Management of Rural Financial Fraud WANG Xinyu LIU Shu，e School ofEconomics, Central University of Finance and Economics; School of Finance, Beijing College of Finance and Commerce; Abstract： With the increase of rural reside nts in come and the vigorous developme nt of rural finance, the risk of rural financial fraud is becoming more and more serious. Rural finemcial fraud can harm the rural residents, financial institutions, financial industries and even the economic operation of the whole country. The reasons of high incidence of rural financial fraud inelude: many 订legal enterprises transferring to the rural areas, the finanoial finanoing channels of rural residents are relativcly scarce, the responsibility for rural financial supervision is not clear, rural residents，financial risk prevention are weak and so on. Therefore, it is necessary to prevent and control the risk of rural financial fraud by adopting measures to crack down on financial fraud; encouraging traditional financial institutions to finance the countrysidc; encouraging regular internet financial companics to support agriculture, rural areas and farmers; strengthening rural financial supervision; and enhancing the popularization of rural residents financial knowledge. Keyword： rural firmncial fraud; risk prevention and management; internet finance; Received： 2017-09-05 近儿年，金融诈骗所涉及的金额增多、涉及的领域扩大，造成的损失也越来越严 重。例如被查处的“e租宝”就是假项目、假三方、假担保的庞氏骗局，实际吸 收资金500多亿元，社会影响极坏。根据融360《用户防骗意识及行为调查报告 (2016)