摘要
从交易费用的角度看,合作制对于降低农村信贷市场交易费用具有明显的优势,是一种适合我国当前农村经济实际的金融产权制度。而我国农信社之所以问题严重,是在于目前的合作制是一种变异的合作制,以及建立在这种变异合作制之上的不合理的治理结构,导致了运行中较高的交易费用。文章提出,真正落实合作制才是农信社改革的方向,只有这样才能为农户提供一个融资便利的机制,使农信社服务于“三农”,促进农村经济的发展。
This article holds the opinion that the cooperative institution has an advantage in reducing the transaction cost in the rural credit market, and the cooperative is a suitable property institution for rural areas. Why the rural cooperatives of China have much serious problems, the reason is that the property institution of present rural cooperative is not a really cooperative institution, and the governance structure is not efficient, the result is that the transaction cost of rural credit cooperatives is high. The author thinks that really putting the cooperative institution into effect is a correct way for the reform of rural credit cooperatives, because the truly cooperative institution can promote the rural customer＇s convenience of finance and support the economic development of rural areas.
出处
《财经科学》
CSSCI
北大核心
2005年第5期28-32,共5页
Finance & Economics
关键词
农村信用社
交易费用
合作制
Rural Credit Cooperative
Transaction Cost
Cooperative Institution
