国外农村合作金融模式对我国的启示

Foreign Country Cooperative Finance Pattern and Its Implication for China

农村信用社改革是我国农村金融体制改革的关键。本文认为,应当发挥农村信用合作社信息比较充分、风险相对较低的优势,重塑农村金融体系,建立多种金融机构明确分工、共同竞争、有效满足农民需要的金融服务体系;应当区分不同情况,允许并倡导具有多样性的地区模式,不搞千篇一律、全国统一的农村合作金融模式;政府应保持必要的低限度的介入,通过立法建设来推动合作金融事业的发展,同时发挥行业协会的积极作用。

The key to the successful reform of Chinese country finance system lies in the reform of country credit unions.While referring to foreign experiences and based on Chinese reality,the author applies theories and approaches of financial risk management and system engineering to the research of Chinese country finance system reform,and gives some suggestions as follow:first,giving full play to the economic advantages of credit unions,deepening credit union reform,and re-constructing the country finance system.Second,permitting the existence and development of regional model.Third,restricting government intervention.Forth,perfecting legislations.Fifth,giving full play to the function of credit unions, associations.