我国农村金融法律制度的演进逻辑与路径创新

Rural Financial System's Developing Logics and Path Innovations of China

建国60年以来农村金融法律制度的演进历程与逻辑规律表明,我国农村金融发展滞后的根本原因在于制度抑制的长期积累。新农村建设与城乡统筹发展背景下农村金融改革应当遵循"需求分析——功能定位——制度设计——法律规范"的思路,向法律制度建设层面深化。而推进农村金融法律制度改革与创新,一要做到视角微观化,加快农村金融内部控制与治理结构的法律法规建设;二要做到正规与非正规金融法律制度并重,引导民间金融的规范化成长;三要做到自上而下与自下而上的有效结合,建立与市场需求有效对接的创新激励机制。惟其如此,我国农村金融发展的制度瓶颈才能得以最终突破。

Since the foundation of P.R.C,the developing history and logic of rural financial system show that the continuous institutional restrain is the fundamental reason of the rural finance poor development.Under the background of plans the city and countryside development,the reform of rural financial system should follow "the demand analysis——functional localization——system design——legal norm" mentality,to legal regime construction stratification plane deepening.But advances the rural finance legal regime refor...