试论农村信用社体制改革及路径选择

本文从农村信用社的民主管理制度本身进行探讨，研究民主管理制度与当前农村金融的相容性问题。本文的基本判断是：正如自由竞争可能导致垄断一样，合作制所体现的民主管理是一种一厢情愿的制度构想，其所导致的内部人控制是民主制的悖论。因此，如果要继续坚持农村信用社继续为“三农”服务的基本方向，必须在现实上放弃空想式的民主制度，近期实行治理结构的准国有化，远期实行所有制的民营化，并在整体金融领域实行“反向剪刀差”。

On the System Reform of Rural Credit Cooperatives and Path Selection

This article discusses democratic management system itself from RCC （rural credit cooperatives）,studying the compatibility between democratic management system and the current problems of rural finance. The judgment is： as free competition may cause monopoly, the democratic management embodied by cooperative system is a kind of wishful system conception,which results to an insider control, also is the paradox of democracy. Therefore, if continues to insist on the basic direction of service for agriculture, RCC must give up idealistic democracy, and implements cooperatives in nationalisation or quasi nationalisation, practices ＂reverse price scissors＂ in the whole financial field .