新型农村金融组织创新的理论逻辑与现实路径

New Theoretic Logics and Realistic Approach for New-Type Rural Financial Organization

作为国家大力支持与发展的新型农村金融组织,村镇银行、小额贷款公司和资金互助合作社在激发农村金融活力、深化农村金融改革、提升农村金融水平方面发挥了积极功效。但是,受制于金融体制机制的框架和自身组织建设的缺陷,新型农村金融组织在我国实践运作中仍暴露出不少问题。因此,运用实证分析的研究方法,考证新型农村金融组织的运行实践,以探索制度创新的现实路径,无疑对合理配置农村信贷资源,切实满足农村发展的金融需求具有重要价值。

The new-type rural financial organizations given vigorous support by the state including township bank,petty-sum loan firm and funds mutual-aid coop play positive function in stimulating rural financial vitality,deepening rural financial reform and raising rural financial level.However,restricted by the framework of financial system and fault with its organization construction,new-type rural financial organization still expose quite a few problems in practice.Hence,empirical analysis is employed to examine the operation of new rural financial organization and probe into the realistic approach for system innovation,which is undoubtedly of great value for the rational allotment of rural credit resource and satisfaction with the financial demand of rural development.