新制度经济学视角:农业银行三农金融事业部制改革成效分析

From the Perspective of New Institutional Economics: the Effectiveness Analysis of Reform on the Rural Finance Division of Agricultural Bank of China:Jinan Case

农村金融供给不足的问题由来已久,农村信用社由于缺少有力竞争开始出现垄断迹象。始于2008年的农业银行三农金融事业部制改革逐渐展开并取得一定成效。本文拟从新制度经济学的视角,对山东省济南市农业银行三农金融事业部改革这一事件的过程和效果进行分析,以期寻找到大型银行支持三农发展的有效途径。

The insufficient supply of rural finance has a long history. Rural credit cooperatives begin to dominate due to the lack of competition. The reform on rural finance division of Agricultural Bank of China started from 2008 and has gradually achieved some effects. It has increased the supply of rural finance to some extent and initially alleviated the problem of loans to farmers. In order to find an effective path for the state-owned commercial banks to support the development of agriculture, rural areas and farmer, the paper analyzes the process and effect of reform on rural finance division of Agricultural Bank of China in Jinan from,the perspective of the new institutional economics.