农村信用社改革中忽视的一个重大问题:农户金融合作行为

The Cooperative Desire of Farmers in Finance:An Important Problem Which Has Been Neglected During the Reformation of Rural Credit Cooperatives

反反复复的农村信用社改革绩效不如人意,重要原因是理论上忽视对农户金融合作行为研究,改革实践排斥农户参与改革。把农户金融合作行为看作外生变量,结果农户被动参与改革,改革的绩效就不言而喻了。实际上,农户金融合作意愿是农村合作金融组织的微观基础或前提,是决定农村合作金融成败的关键内生变量,而非外生变量。因此,要重视农户金融合作行为研究,根据农户金融合作意愿而不是政府的偏好或效用函数进行农村信用社产权改革。

Rural credit cooperatives reform has been carried out many times. However, the performance of it is not acceptable so far. The main reason is that the government had neglected the cooperative desire of farmers in finance, and then excluded the farmers from reformation. The cooperative desire of farmers in finance has been taken as an external variable. In fact, the desire is the base of rural credit cooperatives and a key endogenous variables on which the success of rural credit cooperatives depend. Therefore, the reformation of rural credit cooperative should base on the cooperative desire of farmers in finance rather than the preference of the government.