我国农村金融组织体系的发展模式研究--基于新制度经济学的理论视野

新制度经济学认为，产权清晰有效是市场经济的基本要求，也是市场经济有效运行的基本前提。具体到农村金融体制的建设，首要的便是调整与完善农村金融体系各个组成部分的产权制度。就目前来看，应该鼓励多种形式的企业发展，扩大农村金融组织体系的边界，构建有所侧重的多层次的农村金融组织混合体系，这样可以适应整个农村经济的发展。

Development Mode of Rural Financial System in China--Theoretical Perspective Based on New Institutional Economics

According to new institutional economics , clear and effective property rights are the basic requirement of market economy and basic prerequisite of the effective operation of market economy. As for the building of rural financial systems the foremost thing is to readjust and perfect property rights of its components. At presents there is a need to encourage development of various forms of firms ; expand the boundary of rural financial system and construct a multi - layer mixed rural financial system with particular emphasis , so as to fit in with rural economic development.