我国农村信用社市场结构与行为的SCP范式分析  

Analysis on the SCP Paradigm of Market Structure and Behavior of Rural Credit Cooperatives in China

作　　者：张正平[1,2] 

机构地区：[1]北京工商大学经济学院,北京100048 [2]对外经济贸易大学应用经济学博士后流动站,北京100029

出　　处：《现代财经（天津财经大学学报）》2010年第11期28-35,共8页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：中国博士后基金资助项目(20090460257);北京市委组织部优秀人才资助项目"我国新型农村金融机构可持续发展问题研究";北京市教委社科计划面上资助项目"我国商业性小额贷款公司服务三农瞄准机制研究"

摘　　要：本文以农村信用社为例,基于SCP范式对我国农村金融市场改革与发展的状况进行了实证分析,发现在经历几轮改革后,尽管农信社的垄断地位依然存在,但其垄断势力有较大下降,初步形成了多元化的农村金融市场结构,由此导致了农信社定价等市场行为的改变,农信社的市场绩效也因此有了明显提升。本文提出,由于农信社垄断地位仍然存在,进一步改善我国农村金融市场绩效应进一步降低准入门槛,强化市场竞争,构建多元化、多层次、适度竞争的农村金融市场。In this paper,I take rural credit cooperatives as an example,and make an empirical analysis on the present situation of reform and development of rural financial market based on SCP paradigm.After several times of reform,although there still exists monopoly status of rural credit cooperatives,there is a decrease in monopoly power,and forms a diversified rural financial market structure,there is an obvious increase in market performance of rural credit cooperatives.In this paper,I propose that in order to improve the rural financial market performance,we should further lower the access threshold,enforce the market competition,and establish a diversified,multi-level rural financial market.

关 键 词：SCP范式 农村金融市场 农村信用社 

分 类 号：F830.33[经济管理—金融学]