论我国农村金融的增量改革

通过考察农村金融组织制度变迁的过程，发现每次变迁几乎都是在政府主导下进行的，其变迁结果却差强人意；而且，由于信用社、农业发展银行等几乎垄断了农村金融，其进行自我变革的内在动力不足，根据制度变迁理论并引入制度变迁的跨时期成本分析，应进行“增量改革”，即发展新的金融组织以对现有的金融机构施加外在压力，利用市场竞争促使其进行自我变革，满足农村金融需求以促进农村发展。

On Incremental Reform of Rural Finance in China

Through investigation of rural financial organization institution changes, We may find each changes takes place under the direction of the government, though its result is barely satisfactory; Moreover, the Credit Office、Agricultural Development Bank etc. nearly monopolize the rural finance. They lack the motive force in carrying out internal reformation. Based on institution change theory, introducing transperiodical cost analysis of such changes, we should carry on a ＂increment reform＂, ie, setting up new financial organizations to exert external pressure to the existing financial institutions, utilizing market competition to impel it to improve itself, meeting the rural financial demand soas to bring about an advance in the countryside.