摘要
在"地少人多"的自然资源禀赋下,中国农村金融经历了曲折的过程,在重构、调整中不断发展,如何抽象出中国农村金融体系演化逻辑,是深化农村金融改革必然面对的难题。研究发现:政府主导下的金融制度安排,农村服务于城市发展,农业优先支持工业的导向使得农村资金严重净流出;商业金融体系在农村金融环境中的运用,变相抽取农村资金使得农村金融难以满足农村经济发展的融资需求。政府在矫正市场失灵的同时,也可能导致一些政策出现低效率。通过对日本、韩国及中国台湾地区的农村合作金融的比较研究,借鉴在农村合作金融演化过程中政府"看得见的手"到底应该和能够发挥什么样的作用、如何发挥作用的经验,期望为形成农村金融服务合理分工与合力运转的顶层设计提供参考。
Limited by the natural resources,China’s rural finance experienced a tortuous process.How to abstract the logic of China’s rural financial system evolution,which is an inevitable problem for deepening rural financial reform.It arrives at the following results:firstly,government-led financial system arrangement,which led the rural service in urban development,and agriculture priority support industry guide makes rural capital outflows serious;secondly,industrial and commercial application of the financial system in rural financial environment,disguised extract rural capital in order to make the secondary become a mere formality,the rural financial is difficult to meet the demand of the rural economy financing.At the same time of correcting market failure,government actions may also result in some policy in low efficiency.Compared to rural cooperative finance in in Japan,South Korea and Taiwan,draw lessons from the government’s role in the process of evolving logic.It provides a certain historical reference for the formation of the rural financial services and combining operation of the top-level designs.
作者
张文明
ZHANG Wen-ming(Institute of Economic System and Management,Academy of Macroeconomic Research,Beijing 100035,China)
出处
《经济问题》
CSSCI
北大核心
2019年第1期54-59,共6页
On Economic Problems
基金
国家社会科学基金青年项目"产业分工视角下大城市群协同发展问题研究"(18CGL0462018)
国家发展和改革委员会宏观经济研究院重点课题"建设充分发挥市场作用
更好发挥政府作用的经济体制研究"(A2018101017)
关键词
农村金融
金融体系
合作金融
rural finance
the financial system
cooperative finance
