信用社改革及其对区域金融市场的影响——浙江苍南县信用社改革考察

The Reform of the RCC and its Influence to the Local Finance Market: a Case Study of Cang Nan County

苍南县农村信用社利率浮动改革对当地金融市场、金融机构、农户、农村中小企业和民间金融的信贷行为都产生了一定程度的积极影响。但也暴露出现行货币政策的局限 ,以及相应改革措施不配套等问题。因此 ,利率浮动改革还不能从根本上解决当前农村金融不能满足“三农”发展需要的问题。为此 ,必须在此基础上加快利率市场化改革步伐 ,完善现行的货币政策 ,并考虑适当地进行农村超小型金融机构建设的试点。

The reform about interest rate float of the RCC in Cang Nan County, have exerted a tremendous influence to the local finance market?finance organization?farmer?rural middle-small enterprise and nongovernmental finance credit. However, there are several questions, for example: the currency policies in now have limit; the reform measures are not complete. Because the reform about interest rate float have nave solved rural finance questions. So we must quicken the market reform about interest rate float step, complete the currency policies, and make experiments quickly on establishing rural micro-finance.