摘要
我国的农村经济发展尚面临许多瓶颈,其中农村金融问题尤其令人关注。农村信用社在农村金融市场体系中占据了举足轻重的地位,决定着农村金融改革与发展的成败。但我国农村信用社不仅在正式制度安排方面尚不规范,而且还受到了非正式制度的制约。农村信用社企业文化的缺失直接制约了其经营业务的开展;而农村长期形成的习俗与社会关系抵押等非正式制度因素以及衍生的非正式金融,则间接影响了农村信用社的发展。因此,必须加快农村信用社的非正式制度改革,加强非正式制度与正式制度的协调合作。
Nowadays, the development of China＇ s rural economy is facing lots of bottlenecks where in the rural finance is especially highlighted. The rural credit cooperatives （RCCs） play an important role in the rural financial market and determine the success or failure of development of rural financial reform. However, China＇ s RCCs not only are not normative in the formal institutions, but also has been affected by informal institutions. For one thing, RCCs are lack of good enterprise cultural and thus directly affect their operation. For the other thing, the intrinsic customs and habits, that is, informal finance derived from informal institutions, indirectly bring about some effect. Therefore, it is necessary that informal institutions of China＇ s RCCs should be Speed up the reform, and be coordinated or cooperated with formal institutions.
出处
《金融发展研究》
2009年第12期69-75,共7页
Journal Of Financial Development Research
关键词
农村信用社
非正式制度
非正式金融
习俗
rural credit cooperatives, informal institution, informal finance, custom
