制度范式下的中国农村金融制度变迁与改革路径研究

现阶段，由于我国的农村金融受到政府、金融机构和外部环境等多种力量的制约，表现出严重的金融抑制。主要表现为农村金融供给机制不健全，资源分配不公，正规金融供给不足，商业性金融在农村金融领域内的功能严重弱化，政策性金融功能不全，合作性金融由于自身条件的限制，难以适应农业和农村经济发展的新变化，非正规金融所具有的制度缺陷也严重影响了它金融支持作用的充分发挥。所有这一切，都需要从全新的视角来审视今天的农村金融制度安排，要从根源上把握农村金融制度创新的方向，创新农村金融制度，加速金融深化，推进农村金融市场良性发展。

Study on China's Rural Financial System Vicissitude and Reform Path in the Institutional Paradigm

At present, because of the restrains placed on rural economy by government, banking system, and external environment, the potential of rural finance is greatly inhibited. The rural finance system is unsound in supplying, unfair in rationing, unreliable in formal financing.Within the ruralfinance system, the mightiness of commercial finance is weakened; the capacity ofpolicy finance is limited;cooperative finance, with its own constrains,is uneasy to be adapted to the needs of the rural development;private finance, with its systematic flaws, is unable to reach its full strength.All above show that we need a new perspective to examine current financial system, a new understanding of the future of rural finance to innovate rural financial system, to deepen finance revolution, to facilitate the healthy development of finance market. This work employs historical analysis, comparative analysis to analyze the process of financial system vicissitude, rural financial system＇s central.