农村社会资本变迁下的农村合作金融发展研究

The Research to the Rural Cooperative Finance Development under the Evolution of Rural Social Capital

农村合作金融制度的效率体现在什么地方?面对农村经济与社会的变化,农村合作金融该如何发展?本文借助社会资本理论,从社会资本角度对这两个问题进行解答,认为农村合作金融制度的效率在于:可以满足农户资金需求的工具性目的、降低农户的金融交易成本、实现国家发展农村经济的目的;在农村社会资本从传统向现代过渡的过程中,农村合作金融的发展途径应是合法化和规范化。

What＇s the efficiency that the rural cooperative finance system shows？ Facing the rural economic and social changes, how to develop rural cooperative finance？ This Paper uses the social capital theory, from the social capital angle to answer these two questions, it believes that the efficiency of rural cooperative finance system lies in： the instrumental aim to meet farmers＇ demand for funds, the reduction of farmers＇ financial trade cost, the achievement of state objective to develop the rural economy; With the traditional rural social capital transfer to modern rural social capital, the way to the development of rural cooperative finance is legalization and standardization.