农村金融二元体制惯性及其资本抑制机理研究

发布时间：2018-11-07 20:39

【摘要】：金融成长与资本形成是一对共生的范畴。金融体制改革前后近40年间,中国农村金融呈现U型成长轨迹,同期农业资本增长率却始终在低水平线上徘徊。以行政导向与市场引导交叉融合为核心的农村二元金融体制,在金融产业组织、市场格局和制度安排等方面制约农村金融与农业资本的良性互动,导致农村金融市场运行失范、价格失真、供求失衡。文章认为,根本解决办法是推进农村正规金融机构治理结构改革,促进农村正规金融机构成为真正的市场主体。当前应从拓展正规金融机构业务领域、调整税收优惠体系、增强农村金融服务、引导农村商业性金融发展、扶持规模化农业,以及促进工商业资本投资农业等角度解决现实问题,为深化改革创造条件。
[Abstract]:Financial growth and capital formation is a symbiotic category. During the past 40 years before and after the reform of the financial system, the rural finance in China showed a U-shaped growth path, but the growth rate of agricultural capital was always hovering at the low level in the same period. The dual rural financial system, which is centered on the cross integration of administrative and market guidance, restricts the benign interaction between rural finance and agricultural capital in the aspects of financial industry organization, market pattern and system arrangement, which leads to the abnormal operation of rural financial market. Price distortion, supply and demand imbalance. The paper holds that the fundamental solution is to promote the reform of the governance structure of the rural formal financial institutions and to promote the rural formal financial institutions to become the real market subject. At present, we should expand the business field of formal financial institutions, adjust the preferential tax system, strengthen rural financial services, guide the development of rural commercial finance, and support large-scale agriculture. And to promote the investment of industrial and commercial capital in agriculture and other angles to solve practical problems, to create conditions for deepening reform.
【作者单位】：烟台大学经济管理学院;
【分类号】：F832.35

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