中国农村的变革与农村金融体系的创新

The Change in Chinese Rural Institutions and the Innovations of Chinese Rural Financial System

正在行进中的中国农村制度的大改组进程,具有其历史必然性。是否能够把发展机遇转化为农民收益,并公平分摊变革成本,是对农村经济制度变革成效的检验。中国农村的发展,需要综合性的经济金融体制的变革,但对于农村经济金融体制变革的推动力度和进程安排,必须考虑农村经济对制度变革的承受能力,否则会适得其反。农民是农村金融体制变革的受体,也因为其最具备对农村金融体制变革的需求,而应该成为中国农村金融体制变革的核心动力。当然,政府是农村金融制度变迁过程中的不可或缺的重要力量。

It is historically inevitable for Chinese rural institutions to be innovated now. It is the test criterion of the performance of Chinese rural institutional change whether this kind of changes can transform the development opportunities to be the peasants＇ income, as well as fairly allocate the cost of the institutional change. The development of Chinese rural needs the comprehensive reform. However, in order to optimize the progress arrangement of the reform of Chinese rural financial system, it should be considered that the support capacity for Chinese rural economy to support the institutional change. The farmers should be the core power, as well as they are the receivers of the innovations of Chinese rural financial system, just because they have the most urgent demands among all of the interest groups. It is naturalness that the government is the indispensable power in the progress of Chinese rural financial system reform.