试论农村合作金融在我国的异化问题

On the Dissimilation of Rural Cooperative Finance in China

农村信用合作社作为我国金融领域中的一项特殊的制度安排,随我国经济体制和金融体制的改革而屡经周折与制度变迁,作为我国农村现存的唯一合法运行的"金融支柱",难以提供农业发展需求的资金支持,承担起服务"三农"的重负。本文从制度安排的视角,探析我国农村合作金融异化的深层次原因,得出迫切需要按合作组织的基本原则,按市场化的方式重建农村合作金融的结论。

As a special system arrangement in finance of China, rural credit coop has been changing along with the reforms of economic system and financial system .It is extant only legal 'financial mainstay' in China's countryside , but it is difficult to provide enough funds for development of agriculture and to undertake heavy burdens of 'agriculture, countryside and peasantry'. The thesis analyzes deep reasons for dissimilation of rural cooperative finance in China from the point of view of institutional arrangement and draws a conclusion of rebuilding rural cooperative finance by means of cooperative organization and market.