农村信用社改革与发展中的政府干预

农村信用社存在着制度供给的外生性、民主管理的局限性、参与主体的弱势性、组织范围的广泛性等特点,加强政府干预很有必要.政府干预对农村信用社的组织成本、产权制度、生存和发展环境等方面产生广泛影响,可能会出现政府失效的问题.为此,必须降低农村信用社的组织成本,尊重社员产权,优化农村信用社的生存与发展环境,促进农村信用社的健康发展.

On Government Intervention in the Reform and Development of Rural Credit Cooperatives

As rural credit cooperatives are weak in participation, extensive in buildup scope, exogenous institutional supply and difficult to manage them democratically, it is necessary to enhance government intervention, which can exert great influence on many aspects such as cost of buildup, property rights of association members, existing and developing environment of the rural credit cooperative, regardless of government failure. Therefore, we should reduce the cost of its buildup, protect the property rights of association members, optimize the existing and developing environment, thus promoting the healthy development of rural credit cooperatives.