从微观主体看我国当前农村金融困境

Viewing tle Present Rural Finance Dilemma in China from Micro Entity

合作制主导还是商业化取向困扰着我国农村金融体制改革,对此学术界看法不一,各种观点均有一定的合理性。从理性经济人行为的角度出发,对参与农村金融活动的微观主体行为进行分析,当前只能以农村信用社为主导、商业性金融机构为辅助,来承担支持农业发展的任务。对民间非正规金融借贷行为进行引导,宣传民间借贷合同规范,利用农村信用社的发展,将高利贷行为挤出农村金融市场。以财政补贴推动农村金融体制改革,只能是过渡性、阶段性安排。农村金融改革应该是以商业化为最终目标,分阶段循序渐进地建立符合农村多元化金融需求的金融体制。

Cooperative -orientation or commercialization -orientation ,this has been a trouble for China rural financial regime reform. There is heatcol dispute in the academic community and each viewpoint is reasonable to some extent. An analysis is made on the micro participating entities in rural financial activities from rational economic person behavior. At present, the task of supporting agriculture development can only be borne in such a way led by rural cooperative and subordinated by the commercial financial institutions. It＇s necessary to guide non - governmental irregular financial financing behavior, populating non - governmental loan contract norms, squeezing the usurer behavior out of rural financial market by using the development of rural cooperatives. It＇s only a temporary and periodic arrangement to accelerate rural financial regime reform by fiscal subsidies. The rural financial reform should be： constructing a financial regime confirming with diversified financial demand in a periodic manner considering commercialization as the final target.