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

发布时间：2017-12-31 15:14

本文关键词：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　出处：《财经研究》2016年04期 　论文类型：期刊论文

【摘要】：近代中国的农业合作金融制度对当时农村的社会经济发展产生过重大影响,但并没有取得预期的效果。文章从国家与社会之间的关系视角来考察近代中国农业合作金融制度的演进历程,试图从制度演进角度来展现近代中国农业合作金融的全貌。研究表明:(1)近代中国的农业合作金融先后经历了三种不同的制度模式,即北洋政府时期的社会引动与农民自动型制度、南京国民政府前期的国家和社会引动以及社会自动型制度、南京国民政府后期的国家代动与农民被动型制度;(2)无论哪一种制度模式,虽然起到了缓解农村金融枯竭、打击传统高利贷和促进农村经济发展的作用,但又都未能跳出合作金融悖论的怪圈,而合作金融悖论导致近代中国合作金融制度背离了"草根金融"的本质并最终走向失败。文章为当前我国如何构建合适的新型农村金融体系提供了一定的历史借鉴。
[Abstract]:The agricultural cooperative financial system in modern China had a great influence on the social and economic development of rural areas at that time. However, it has not achieved the expected results. This paper examines the evolution of agricultural cooperative financial system in modern China from the perspective of the relationship between the state and society. This paper tries to show the whole picture of agricultural cooperative finance in modern China from the angle of institutional evolution. The research shows that the agricultural cooperative finance in modern China has experienced three different institutional models. That is, the social initiation and peasant automatic system in the period of Beiyang Government, the national and social actuation and the social automatic system in the early stage of Nanjing National Government, and the national substitution and peasant passive system in the later period of Nanjing National Government. No matter which system mode, although has alleviated the rural financial exhaustion, the attack traditional usury and the promotion rural economy development function, but also failed to jump out the cooperation finance paradox strange circle. The paradox of cooperative finance led to the departure of modern Chinese cooperative finance system from "grassroots finance". The article provides a certain historical reference for how to construct a suitable new rural financial system in our country.
【作者单位】：中南财经政法大学经济学院;湖南工业大学商学院;
【基金】：湖南省社会科学基金项目(14YBA1467)
【分类号】：F321.42;F832
【正文快照】： 一、引言近代中国之农业金融,是麦金农和爱德华·肖所定义的现代与传统并存的二元结构制度。一方面,钱庄、合会和商店等传统金融组织和私人部门向农民发放高利贷;另一方面,银行、信用合作社、国家农贷机构和合作金库等现代金融组织向农民发放利率相对较低的信用贷款和抵押贷款

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