农村小微金融“内部化悖论”的案例分析

发布时间：2018-05-01 16:29

  本文选题：合法化悖论 + 内部化悖论　； 参考：《中国农村观察》2016年06期

【摘要】：本文在回顾以往研究的基础上,提出农村小微金融的发展困境源于"双重悖论":第一重是"合法化悖论",第二重是"内部化悖论"。前者主要体现为制度效率较高的非正规小微金融在"正规化"之后制度效率下降,对此学术界已经有过充分讨论;后者形成于当前农民合作组织及政府普惠政策的"精英俘获"特征渐趋强化的现实背景下。本文以Z合作社资金互助部为例进行案例分析,认为该合伙制小微金融能够内部化交易成本却因不能内部化外部性风险而只能将风险转化成组织解体的制度风险。最后,本文提出"通过以重构合作制为基础的组织创新和制度创新破解‘双重悖论’"的政策启示。
[Abstract]:On the basis of reviewing previous studies, this paper points out that the development dilemma of rural microfinance originates from "double paradox": the first is "legalization paradox" and the second is "internalization paradox". The former is mainly reflected in the decline of the institutional efficiency of informal micro-finance with high institutional efficiency after "regularization", which has been fully discussed in academic circles. The latter came into being under the background of the strengthening of the characteristics of "elite capture" of the farmers' cooperative organization and the government's inclusive policy. This paper takes Z cooperative fund mutual aid department as an example, thinks that the partnership can internalize the transaction cost, but it can only transform the risk into the institutional risk of organizational disintegration because it can not internalize the external risk. Finally, this paper puts forward the policy enlightenment of solving the 'double paradox' through organizational innovation and institutional innovation based on the reconstruction of cooperative system.
【作者单位】： 中国人民大学农业与农村发展学院;
【基金】：北京市社会科学基金重点项目“城乡二元结构下改善社会治理研究”(项目编号:15FXA003)的资助
【分类号】：F832.35
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本文编号：1830196