农村信用社改革绩效评价

从1996年《国务院关于农村金融体制改革的决定》颁布到现在,我国农村金融改革走过了近十个年头。农村金融改革的目标已经变得越来越清晰,那就是要借鉴企业改革的成功经验,将包括农村信用社在内的现有农村金融部门改造成既能商业可持续发展,又能满足农村地区中小企业和农户的有效资金需要的现代农村金融体系,而商业可持续是农村金融机构能够有效满足农村地区金融需求的前提。本文通过大量的问卷调查分析目前的农村信用社改革离这一目标还有多远。

China has carried out its rural financial reform for more than ten years even since the promulgation of the Decision of the State Council on the Reform of Rural Financial System.The goal of reform is now becoming clear, that is, based on the succesaful experiences of enterprise reform, China should further restructure its rural financial sector （including rural credit ccoperatives, RCCs） that is not only eormnercially sustainable but also able to satisfy the financing needs of small and medium- sized enterprises and farm households. Commercial sustainability is the key for the success of rural financial reform. The paper finally analyzes how far RCCs could be commercially sustainable after reform.