农地金融制度构建与农村信用社业务拓展——我国农地金融业务承担主体的可行解研究

Agrarian Finance and Businesses of the Rural Credit Cooperatives

本文认为,通过成立专门土地银行来构建农地金融制度不符合效率原则;农业银行承担农地金融业务有悖于商业化改革方向和市场定位;受制于定位不明和实力不足,农业发展银行无法承担农地金融业务。因此,中国农地金融业务应由农村信用社来承担,其原因和优势:合作金融特征为农村信用社承担农地金融业务提供了制度保障,基层组织的广泛性和扁平式为农村信用社承担农地金融业务提供了组织保障,由农村信用社来开展农地金融符合农村金融的改革方向。

Neither the China Agricultural Bank nor so-called specialized “land bank” can assume the important task of agrarian finance in China. Therefore, the rural credit cooperatives (RCC) are naturally the best candidate for this purpose. The authors give their reasons to show advantages of the RCC, which is also compatible with the financial reform in rural areas