探索农村金融改革新思路——也谈我国农村信用合作社体制改革的争论  

The New Ideas of Rural Financial Reform

作　　者：凌涛[1] 

机构地区：[1]中国人民银行宁波市中心支行,浙江宁波315040

出　　处：《金融研究》2001年第7期60-66,共7页Journal of Financial Research

摘　　要：如果用合作制的原则来衡量 ,我国农村信用合作社的经营管理体制的确长期不规范 ,但不同时期导致不规范的原因和社会条件是不同的 ,不能简单地一概而论。我国经济金融发展现阶段的特征已经对农村金融改革提出了规范化和多元化的要求 ,在这种情况下 ,简单地否定或肯定合作制的改革思路都有失偏颇 ,而把合作制作为农村金融组织形式之一 ,同时允许多种金融组织形式在农村共同发展 ,并把规范化作为改革重点 ,突出强调长期性制度安排的重要性 ,可能是更符合当前我国农村金融领域实际状况的改革思路。Considering the principle of cooperative system, the operation and management system of Chian's Rural Credit Cooperatives has not yet been standardized with different reasons in the different periods. Now the rural financial reform has been confronted with the standardization and diversification due to the development of China's economic and financial reform. With this understanding, both simple negation and affirmation are lopsided. Therefore, the priority reform of rural cooperative system is the standardization under the long-term institutional arrangement while taking cooperative system as one form of the rural financial organization and encouraging the development of diversified financial organizations in rural areas. It may be a practical way according to the reality of China's rural financial reform.

关 键 词：农村信用合作社 多元化改革 长期性制度安排 农村金融 金融改革 中国 

分 类 号：F832.1[经济管理—金融学]