农村信用社改革模式选择：贵州省证据  

Mode Choice of Rural Credit Cooperatives Reform： Evidence from Guizhou

作　　者：陈鹏[1] 孙涌[1] 

机构地区：[1]中国人民银行贵阳中心支行,贵州贵阳550001

出　　处：《改革》2006年第9期42-47,共6页Reform

摘　　要：农村信用社长期以来的“官办”路径和行政效率对经济效率的替代，是地方政府选择省联社模式的内在动因。贵州省农村信用社改革的案例表明，农村信用社改革成效与选择省联社模式具有关联性。但省联社模式有其制度性缺陷，要审慎评估农村信用社改革的阶段性成果，减少行政干预，鼓励部分农村信用社在一定范围内跨区经营．建立存款保险制度，推进小额信贷试点及邮政储蓄改革激励.The long-time attachment to governmental paths and the substitution of administrative efficiency for economic efficiency are internal causes of choosing Provincial Rural Credit Cooperative Union. Taking the reform of Guizhou province as a case ,it shows the conjunction between the present problems of the RCCs reform and the choice of the model. The Provincial Rural Credit Cooperative Union has its institutional limitation, so we should estimate prudently the staggered fruits of RCCs reform, reduce the administrative intervention, encourage cross-district operation of some RCCs, build the deposit insurance system, impel the micro financial credit pilot and reform of postal deposit.

关 键 词：农村信用社 省联社模式 路径依赖 行政效率 

分 类 号：F832.35[经济管理—金融学]