中国农村金融演进的理论与实践——新比较经济学的视角  

Theory and Practice of Rural Financial Evolution in China:From the Perspective of New Comparative Economics

作　　者：刘敏楼[1] 

机构地区：[1]南京财经大学金融学院,江苏南京210023

出　　处：《河南大学学报（社会科学版）》2017年第4期48-56,共9页Journal of Henan University(Social Sciences）

基　　金：教育部人文社科基金项目"政府支持;环境约束与农村金融发展"(11YJA790086)阶段性成果;国家自然科学基金青年项目"农村金农村信贷资金流动:基于县域银行分支机构的视角"(71403116)阶段性成果

摘　　要：政府要素与市场要素的优化组合是中国农村金融演进的基本逻辑。根据新比较经济学框架,短期内,政府主导型制度偏好是中国农村金融市场的最优制度选择;但是随着改革开放进程的加速,长期来看,经济社会的变迁明显改变了中国农村金融发展的经济基础、法律环境以及社会资本和文化条件,引起长期制度可能性曲线的上移,从而形成政府要素与市场要素的新组合。这种变迁有效改善了供给曲线形状,明显改进了中国农村金融市场的绩效。遵循这一逻辑,中国农村金融下一步改革的重点仍然应该顺应农村金融演进规律,促进市场要素的增长,而政府要素介入应该侧重于制度供给、政策支持以及市场不足的弥补。The optimal combination of government factor and market factor is the basic logic of rural financial evolution in China. According to the framework of new comparative economics, in the short term, the government leading system preference is the optimal choice for Chinese rural financial market. But with the accelerated process of reform and opening up, in the long term, the economic and social changes have significantly changed Chinese rural financial development in the economic basis, legal environment and social and cultural conditions, and it has caused long-term institutional possibility curve to change, so as to form a new combination of government factor and the market factor. It effectively improved the supply curve shape, and significantly bettered the performance of Chinese rural financial market. Following this logic, the next reform of Chinese rural finance should still adhere to the rule of economy. It should confirm to promote the growth of market factors, and the government factor should focus on institutional supply, policy support and covering the lack of market.

关 键 词：政府要素 私人要素 制度可能性曲线 农村金融改革 

分 类 号：F832.43[经济管理—金融学]