论农村新型金融组织建设的深层障碍

The Study on the Deep Disorder of the New Rural Financial Institution Construction

农村新型金融组织建设,依赖于整个社会(区域)的金融生态和农村金融生态,而农村小额信贷及其瞄准机制,是考察这一生态的重要观测点。中外小额信贷的运行历程和现状表明,在瞄准偏差的利益博弈中,农村小额信贷要实现"真扶贫"而"扶真贫"的目标仍然要走很长的路。其中深藏着农村新型金融组织建设取得实质性成效的全部要害。通过不断的制度创新和技术创新以抵消至少缓和高成本的压力,构建利益表达—协调—解决的良性机制,才是"纠偏"的关键。

The new rural financial institution construction depends on the whole society＇s financial ecology and rural financial ecology, while the rural microfinance＇s aiming mechanism is an important observation point of the ecology. The experience of Chinese and foreign microfinance institutions indicates that it is still a long way to go for rural microfinance institutions to achieve ＂true poverty＂ and ＂help the poor＂ target, which implies all the key substantive foctors for new rural finance institution construction. Through continuous institutional innovation and technological innovation to offset or at least mitigate the high cost pressure, constructing the benign mechanism of interests expression and coordination, is the ＂correct＂ key.