我国农村普惠金融内生化发展现状、障碍及对策研究

The Research on the Present Situation,Obstacles and Countermeasures of the Endogenous Development of Inclusive Finance in Rural Aareas in China

我国农村金融改革开展多年,期间包括对农村金融机构、功能、体制、业务等方面的改革,但改革效果距离我国普惠金融战略目标还相差甚远。广大农村地区仍然存在融资难、融资贵等问题。研究指出目前我国农村金融改革是一种政府强制主导模式,具有较强的外生依赖性。在这种路径依赖性下,政府对农村金融的改革也仅仅是对原有路径的修补,导致外生性农村金融机构占绝大多数,内生性农村金融机构发展受阻,外生性金融供给不适应等现象,而并没有从根本上打破我国农村金融的发展模式。鉴于广大农村地区的一些内生性特点,我国农村金融改革应摆脱外生路径依赖,走内生化普惠金融发展道路。

The rural financial reform carried out for many years in China,including the reform of the rural financial institutions,functions,systems,business and other aspects of reform,but the effect of the reform is far from the goal of inclusive financial strategy. The vast rural areas still exist financing difficulties,financing expensive and other issues. The research indicates that the rural financial reform in China is a kind of government compulsory mode,which has a strong external dependence. In this path dependence,the government＇s reform of rural finance is only the repair of the original path,which resulting in the phenomenon,such as the vast majority of rural financial institutions in rural areas,the development of endogenous rural financial institutions are blocked,non adaptive exogenous financial supply which did not fundamentally break the development model of rural finance. In view of the fact that the endogenous characteristics of the rural areas,the rural financial reform should get rid of the exogenous path dependence,and take the path of the endogenous development of the inclusive finance.