CAJ | 학술논문

农村金融供给不足的问题由来已久,农村信用社由于缺少有力竞争开始出现垄断迹象.始于2008年的农业银行三农金融事业部制改革逐渐展开并取得一定成效.本文拟从新制度经济学的视角,对山东省济南市农业银行三农金融事业部改革这一事件的过程和效果进行分析,以期寻找到大型银行支持三农发展的有效途径.
농촌금융공급불족적문제유래이구,농촌신용사유우결소유력경쟁개시출현롱단적상.시우2008년적농업은행삼농금융사업부제개혁축점전개병취득일정성효.본문의종신제도경제학적시각,대산동성제남시농업은행삼농금융사업부개혁저일사건적과정화효과진행분석,이기심조도대형은행지지삼농발전적유효도경.
The insufficient supply of rural finance has a long history. Rural credit cooperatives begin to dominate due to the lack of competition. The reform on rural finance division of Agricultural Bank of China started from 2008 and has gradual-ly achieved some effects. It has increased the supply of rural finance to some extent and initially alleviated the problem of loans to farmers. In order to find an effective path for the state-owned commercial banks to support the development of agricul-ture,rural areas and farmer,the paper analyzes the process and effect of reform on rural finance division of Agricultural Bank of China in Jinan from the perspective of the new institutional economics.