中国农村金融体系演化逻辑研究
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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 It provides a certain historical reference for the formation of the rural financial services and combining operation of the top-level designs.
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.
引文
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[15]张文明,刘飞翔.综合农协对提高农业技术推广效率的影响[J].福建农业学报,2014,29(11):1146-1149.
[16]李硕,姚凤阁.日本农村金融体系对中国农村金融改革的启示[J].东北师范大学学报(哲学社会科学版),2015(2):235-237.
[17]金旭,李春姬,刘畅.韩国农村金融发展经验对中国的启示[J].东疆学刊,2016(2):101-107.
(1)中投顾问发布的《2018-2022年中国农村金融行业深度调研及投资前景预测报告》。
[2]王选庆.中国农地金融制度管理创新研究[J].中国农村观察,2003(3):25-34.
[3]温铁军.深化农村金融体制改革如何破题[N].金融时报,2004-11-08.
[4]易棉阳.近代中国农业合作金融制度的演进——基于国家与社会之间关系视角的研究[J].财经研究,2016(4):71-80.
[5]姚敏.我国农村金融改革的反思与展望[J].现代经济探讨,2011(2):81-85.
[6]杨金栋.我国农村金融体制改革的制度变迁特征及趋向[J].金融发展研究,2011(11):18-20.
[7]张强,佘桂荣.基于“功能范式”的农村金融体系优化配置的路径选择[J].河北经贸大学学报,2009(2):54-62.
[8]周立,周向阳.中国农村金融体系的形成与发展逻辑[J].经济学家,2009(8):22-30.
[9]亚当·斯密.国民财富的性质和原因的研究(节选本)[M].北京:商务印书馆,2002.
[10]保罗·萨缪尔森,威廉·诺德豪斯.经济学[M].北京:华夏出版社,2002:29.
[11]马九杰,吴本健,周向阳.农村金融欠发展的表现、成因与普惠金融体系构建[J].理论探讨,2013(2):74-78.
[12]李克强.破解城乡二元结构难题,走新型城镇化道路[N].人民日报,2012-09-26.
[13]林毅夫,蔡昉,李周.中国的奇迹:发展战略与经济改革[M].上海:上海人民出版社,1994.
[14]程漱兰.中国农村发展:理论和实践[M].北京:中国人民大学出版社,1999.
[15]张文明,刘飞翔.综合农协对提高农业技术推广效率的影响[J].福建农业学报,2014,29(11):1146-1149.
[16]李硕,姚凤阁.日本农村金融体系对中国农村金融改革的启示[J].东北师范大学学报(哲学社会科学版),2015(2):235-237.
[17]金旭,李春姬,刘畅.韩国农村金融发展经验对中国的启示[J].东疆学刊,2016(2):101-107.
(1)中投顾问发布的《2018-2022年中国农村金融行业深度调研及投资前景预测报告》。