建立和完善农村地方中小金融机构:一个适应中国农村经济发展的金融制度变迁

企业规模较小甚至以农户为单位的农村经济发展,对农村中小金融机构的建立和完善提出了强烈的需求,而以政府主导的农村金融改革却成效甚微。本文从农村经济发展引发对农村中小金融机构的诱制性制度需求与政府代表的强制性制度供给两方面的分析得出:农村地方中小金融机构制度建设,是农村经济发展的客观要求,同时也符合国家的效用函数。

Building and Perfecting Middle and Small Financial Institutions in Rural Areas:One Change of the Rural Financial System Adapting to Rural Economic Development

The development of rural economy is dominated by small-scaled industries or peasant household, which strongly demand for the building and perfecting of middle and small financial institutions in rural areas. Yet, the government-led rural financial reform only had little positive effects. The paper analyzes the actual demand of middle and small financial institutions in rural areas and the supply of government, and concludes that the building and perfecting of middle and small financial institutions is requi...