农村信用社改革的得与失：基于实证和制度分析的视角

随着农村信用社新管理体制框架的全面建立和第一阶段改革试点的基本完成,农村信用社体制改革迎来新的起点。本文基于历年统计数据,运用新制度经济学等相关理论,对1996年尤其是2003年深化改革试点以来农村信用社的改革进程进行实证性反思。研究发现,农村信用社改革成效的形式大于实质,基本上没有取得重大的突破性进展;而农村信用社改革难的最根本原因,在于政府在改革思路上的严重路径依赖。鉴于此,本文提出了继续推进农村信用社改革的有关政策建议。

Gains and losses in the reform of rural credit cooperatives: a study based on empirical evidences and systemic analysis

With the establishment of a new management framework for the rural credit cooperatives(RCC) which signifies the near completion of the first stage of RCC reform in China,the reform of RCC is standing at a new starting point.This article,based on historical data and making use of new institutional economics theories,reflects on RCC reform as of 1996,especially the deepened experimental reform since 2003.It is held that RCC reform in China is more in form than in nature,and there is in fact no significant breakthrough. The difficulties of RCC reform mainly come from the path dependence of the government in reform conception.In light of this,policy recommendations for furthering RCC reform in China are presented in the article.