我国农村金融组织结构制度和功能缺陷探析

On Defects of the Financial Mechanism and Function in Rural Areas of China

农村金融体系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金融组织构架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。从制度安排的视角,探析我国农村金融异化的深层次原因,可以得出迫切需要按功能—绩效的基本原则,按市场化的方式重建农村金融体系的结论。

As a special system arrangement in finance of China, financial system in rural areas has experienced several setbacks and institutional changes responding to the changes of reforms in organizational system and financial system.As present financial organization, its framework has a lot of difficulty in meeting the demands for the agricultural development in funds and bearing the 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 draw a conclusion that the mechanism of financial system in rural areas should be reestablished urgently based on the basic principle of function and efficiency at last.