商业性金融机构

论商业性金融机构的审计委托关系

Auditing Commission of Commercial Financial Institution

本章首先详细分析了山西省农村金融供给的金融主体：商业性金融机构、政策性金融机构、合作性金融机构以及民间金融机构和个人的金融供给行为。

In the first part the author analyzes supply of the financial subject including commercial financial institution , policy financial institution , cooperative financial institution , civilian institution and individual .

我国小额信贷组织机构主要有四类：正规商业性金融机构、政府机构推动操作的小额信贷、小额贷款公司和非政府机构（NGO）小额信贷。

Microfinance organizations in China are mainly four categories : formal commercial financial institutions , government agencies to promote microfinance , micro-credit companies and non-governmental organizations ( NGO ) .

个人购房抵押贷款不仅有赖于商业性金融机构的参与，而且也要有政府成立政策性住房金融的支持。（第二章）

The last , personal housing mortgage loan relies on not only the participation of commercial finance agencies , but also the support of government 's found of policy housing finance .

第四，提高企业自身的管理水平、盈利能力和信用状况，使它们能够从商业性金融机构获得长期稳定的资金支持。

Fourthly the managing levels of enterprises themselves and their payoff capability should be improved so that these enterprises can be provided a long-term and stable capital support from the commercial . & financial organization .

在日本中小企业的金融支持体系中，政府系金融机构、商业性金融机构、信用担保机构和创业投资机构发挥着各自的作用。

Therefore , in the financial backing system for the small businesses , those that are playing the main parts are government finance institutions , commercial finance institutions , credit and trust institutions and entrepreneur investment institutions .

然而，纵观农村金融服务市场，除农业发展银行和农村信用社发挥较强的支农作用外，其他大多数金融机构都是以逐利为目的的商业性金融机构。

However , when we look at the market for financial services in rural areas , in addition to agricultural development bank and rural credit cooperatives play a stronger role in supporting agriculture , most other financial institutions are profit-driven .

相比之下，我国的政策性金融专门立法受内外因素的制约而严重滞后，并导致了政策性金融与商业性金融机构之间无序竞争等一系列不良后果。

In comparison , specialized legislation of policy-related finance in China has been seriously delayed for internal and external factors , hence causing a series of bad results , such as disorder competition between policy-related financial institutions and commercial financial institutions .

论商业性农村金融机构的适度规模

The Optimal Scale of Rural Commercial Banks

目前，我国已初步形成以合作性、政策性和商业性农村金融机构为主，辅以农业保险、担保、证券等非金融机构的农村金融组织体系，并在各种政策支持下不断丰富和发展。

At present , a cooperative , political and commercial rural financial system has been initially formed and been supplemented by agricultural insurance , guarantees , securities and other non-financial institutions , which constantly enriches and develops under a variety of policy support .

分类比较包括对中小商业银行、政策性金融机构、合作金融机构与小额信贷机构的法律监管制度进行比较，总结经验与教训，为我国提供借鉴。

The classified comparison proceeds with legal supervising and managing system of small banks , policy financial institutions , credit cooperatives and microfinance .