“退而更化”:中国合作金融的改良之路

Reset and then Upgrade:the Philosophy of the Reform of the Cooperative Finance of China

合作金融的现代化从社会哲学上看,涉及到如何处理现代化与传统之间的紧张关系;涉及到否定传统、移植西方体制的思维方式对错的问题。从回答这个基本社会哲学问题入手,检讨中国传统合作金融组织———合会的珍贵遗产,申明自愿原则是合作金融的灵魂以及这个灵魂对当今中国合作金融的改良所具有的价值。在此基础上,本文提出了以组建中国农村合作银行为核心的政策建议,而中国农业银行出售非农业务、回归农村,与农村信用社进行资本重组与业务整合,是现实可行的一条最佳途径。

Sociologically and philosophically, the modernization of cooperative finance is related to the relief of the conflict between modern requirements and traditional practices. First of all, one should answer whether it is necessary or not to deny the traditional cooperative finance and copy a new version from western countries. This paper reviewed the traditional cooperative finance organization - credit union, and appreciated the principle of free will as the core spirit of cooperative finance, especially for China. It is proposed, for the upgrading of Chinese cooperative finance, that China Rural Cooperative Bank be founded based on the Agricultural Bank of China peeling off its non - agricultural business and resetting its positioning.