对我国农村金融制度变迁的思考

完善农村金融制度,是解决我国“三农”问题,实现未来中国经济发展战略目标的必破之题。由于较弱的农村经济素质、缺乏激励的制度环境、居于垄断地位的国有金融组织角色转换迟缓、金融组织职能定位趋同和业务同质化,及外部效应与搭便车可能性的存在束缚着我国农村金融制度的变迁。为此,本文认为应对我国农村金融制度实行强制性变迁,从减少变迁成本、增进激励机制、形成多种产权相互竞争和功能互补的组织体系、以及采取配套措施四个方面,重构农村金融制度,消除农村金融与农村经济的非均衡状态,提高农村金融制度绩效,支持并促进农村经济发展。

It is a very imperative issue for Chinese econo-my to perfect the system of rural finance for addressing the outstanding problem of three farming in national e-conomy and realizing China's strategic target.There are several shortcomings in the system of rural finance,such as systemic limitation,serious financial repression and dis-ability of attaining the potential benefits,which are re-stricting the development of rural economy and adversely influencing the efficiency of whole financial system.The system of rural finance can't be translated because of four reasons,the week body of rural economy ,the absence of stimulant system,the sluggish conversion of state-owned financial organization in the monopoly station,the function conversion and the business homogeneity of fi-nancial organization,the external reference and the possi-bility of hitchhiking.So,the author suggest that the sys-tem translation of rural finance must be actualized in the form of constraint ,through decreasing translation cost,increasing stimulant system,forming new structure hav-ing all kinds of organizations which are competitive and complementary,and taking other measures,to rebuild the system of rural finance,eliminate the non-equilibri-um between rural finance and economy ,improve the ef-ficiency of rural finance,support and promote the devel-opment of rural economy.