我国农村金融制度变迁的反思与评价

Reflection and Evaluation on China’s Rural Financial System

建国以来我国农村金融制度经过历次变迁并体现出阶段性特征,按照制度经济学理论,我国农村金融制度变迁是一种自上而下的强制性的渐进式制度变迁,而且在农村金融组织制度、农村金融市场制度方面存在明显的非均衡性。我国农村金融制度已有的经济贡献和经济效率是通过量的扩张实现的,金融制度"质"的贡献是比较低的。农村金融的改革与发展必须以农村金融制度创新与改革作为出发点,提高农村金融制度运行效率,促进农村经济发展。

Since the founding of China’s rural financial system through various changes and reflect the characteristics of the stage, according to the system of economic theory, changes in China's rural financial system is a top-down mandatory system of gradual change, but also in rural financial institutions System, rural financial market system, there is an obvious non-equilibrium. China’s rural financial system has contributed to the economy and economic efficiency through quantitative expansion to achieve the financial system of 'quality' of the contribution is relatively low. The rural financial reform and development of the rural financial system must be based on innovation and reform as a starting point to improve the rural financial system efficiency, and promote rural economic development.