中国农村金融改革的路径依赖与路径设计

Path Dependence and Path Design of Chinese Rural Financial Reform

中国农村金融改革具有明显的"路径依赖"特征,表现为政府主导下的强制性改革、长期的主体缺位和短期行为以及对自下而上需求的忽视。六十多年的农村金融改革取得了诸多阶段性成果,但经济新常态下的"三农"形势变化,给农村金融改革提出了新的要求。本文在分析我国农村金融改革路径依赖特征的基础上,分析路径依赖的形成机理,并从供给端、需求端、外部环境等多个角度,提出新时期农村金融改革的路径设计。

Chinese rural financial reform has a obvious feature ＂path dependence ＂,which could be characterized by the government-led mandatory reform,long-term subject vacancy and short-term behavior,and also the neglect of bottom-up demand. More than 60 years of rural financial reform has achieved many phased objectives,but the＂three rural＂situation changes under economic new normal brings out the new requirements to the rural financial reform. This paper is based on analyzing the path dependence feature of rural financial reform in China,investigates the formation mechanism of path dependence,and puts forward the path design of new period rural financial reform from the perspectives of supply side,demand side and external environment.