农村信用社改革——一项核心制度安排的分析与思考

信用社改革“花钱买机制”的方案引起了争议，改革过程当中的一些迹象表明，目前的现状与改革的期望值出现了一定的偏差。为了避免出现信用社“个别理性”与农村金融改革“共同理性”相互矛盾的格局，当局应当从改革的制度安排与游戏规则上确保“正向激励”作用的有效发挥。

Rural Credit Cooperative Reform An Analysis and Some Thoughts on the Core Institutional Arrangement

＂Paying for a mechanism＂ in the credit cooperative reforms scheme has aroused dispute. The signs suggest that there is a certain deviation between the status quo of reform and the expectation value. In order to avoid a conflicting setup with ＂individual reasonableness＂ of the credit cooperative and ＂common reasonableness＂ of the rural financial reform, it＇s necessary for the authorities to ensure effectively a positive incentive function to be played from institutional arrangements and the game rules.