潜在利润、同意一致性与内生型农村资金互助组织制度创新——基于温州农村资金互助会的案例研究

Potential Profit, Common Consent and Institutional Innovation in Endogenous Rural Mutual Financial Cooperatives——Based on a Case Study of Wenzhou Rural Mutual Financial Cooperatives

本文以"潜在利润——同意一致性"为分析框架,从制度变迁的视角对温州农村资金互助会制度创新进行理论解析。分析发现,内生型农村资金互助组织的制度创新源于已有的农村合作金融制度安排下无法获取的潜在利润,而这些潜在利润的产生与制度环境的变化有关。内生型农村资金互助组织的制度安排实现了潜在利润,满足了相关利益集团的利益需求,当事人之间达成了一致性同意,是一种新的帕累托改进。促进内生型农村资金互助组织的合法化是现阶段一种较优的政策选择。

Under the framework of potential profit and common consent, the article analyzes the institutional innovation in the rural mutual financial cooperatives in Wenzhou, Zhejiang from the perspective of institutional change in theory. The study finds that the institutional innovation of the endogenous rural mutual financial cooperatives comes from the potential profit which can＇t be obtained under the existent rural cooperative financial institutions, and the generation of the profit is related with the change of institutional environment. The institutional arrangement of the endogenous rural mutual financial cooperativesmeet the benefit demand of the relevant interest groups. Then they achieve a common consent between the parties, which is a new Pareto improvement. Promoting the legalization of the endogenous rural mutual financial cooperatives is a better policy choice at this stage.