中国农村金融改革：基于金融功能观的分析

多年来中国农村金融改革所遵循的是金融机构观,这使得农村金融体系未能有效发挥金融资源的配置功能;背离金融功能观的农村金融改革,仅仅局限于既有金融结构内部的修补,而不是按照市场经济的原则,根据外界经济环境的变化,发展出能够实现金融功能的规则、制度等具体的金融形态,并且进行金融结构的优化;农村经济的发展需要农村金融体系正常金融功能的复归。中国农村金融改革应实现农村金融发展模式的多元化;放松对农村非正规金融的管理;推动一个竞争性农村金融体系的形成。

The Rural Finance Reform in China: An Analysis Based on Financial Functional Paradigm

It is held that for many years what has been followed by the rural financial reform is the financial institutional paradigm.This enables the rural financial system to fail to bring into efficient play the function of the allocation of financial resources.The rural financial reform that is only limited to some remedy within the existent financial structure,instead of developing concrete financial forms such the rules and systems to implement financial functions in terms of the principle of market economy and the change of the external economic environment,and optimizing the financial structure.The development of rural economy requires the return to the normal financial function of the rural financial system.It is pointed out that the rural economic reform should realize the pluralistic modes of the development of the rural financial system;the control over the non-regular finance should be relaxed;the formation of a competitive rural financial system should be boosted.