适应性成长模式：中国农村金融改革的方向

金融成长模式包涵了金融增长和金融发展概念的双重内涵。在既有的框架下，农村金融产权改革和经营机制的改革仍难以彻底消除政府干预金融市场的负效应，且并未触及农村金融市场结构问题，新的供需矛盾突出。实践表明，单一的外生和内生农村金融成长模式在中国行不通。适应性农村金融成长模式应是中国农村金融改革的一个方向，其构建策略包括坚持稳定、连续与灵活的渐进式改革；加强制度的开放性、柔韧性与可控性建设；建立适应性成长机制，努力降低组织成本等。

Adaptable growth pattern: Direction of China rural finance reform

Finance growth pattern means finance growth and finance development. This paper points out that the reform of property right and management mechanism can not remove the negative effect resutted from the government intervention at present. The practical result shows that the single endogenous and exogenous growth pattern will not work in China. Hence the adaptable rural growth pattern becomes the direction of China rural finance reform. Finally, the paper proposes some suggestion： insisting on a stable, continuous and sweet progressive reform, strengthening an open ,flexible and controllable system construction and established an adaptable growth pattern and make an effort to reduce the organizational costs.