CAJ | 학술논문

本文以农村金融产业组织作为一个研究对象，并把金融产业组织看作是一种内生而来的制度结构和制度形态，从而将交易成本理论拓展到了产业组织领域。分析结果表明，在宏观层面上，金融产业组织的成本高低取决于金融产业结构与宏观层面的社会结构是否相兼容；在微观层面上，取决于与微观层面的金融合约的执行机制是否相契合。基于社会结构和金融合约执行机制对金融产业组织影响的内在逻辑，具有垄断特征的农村金融产业组织是一个次优选择。从长期视角来看，金融改革的重心在于制度条件的改善，只有国家所建立的外生金融与民间兴起的内生金融的共同发展才能够形成一个最优的农村金融产业组织的结构。
본문이농촌금융산업조직작위일개연구대상，병파금융산업조직간작시일충내생이래적제도결구화제도형태，종이장교역성본이론탁전도료산업조직영역。분석결과표명，재굉관층면상，금융산업조직적성본고저취결우금융산업결구여굉관층면적사회결구시부상겸용；재미관층면상，취결우여미관층면적금융합약적집행궤제시부상계합。기우사회결구화금융합약집행궤제대금융산업조직영향적내재라집，구유롱단특정적농촌금융산업조직시일개차우선택。종장기시각래간，금융개혁적중심재우제도조건적개선，지유국가소건립적외생금융여민간흥기적내생금융적공동발전재능구형성일개최우적농촌금융산업조직적결구。
Through taking the rural financial industry organization as a research object, and the financial industry organization as an endogenous institutional structures and Institutional forms, which will expand to the transaction cost theory to the industrial organization fields. The results show that:On the macro level, the costs of financial industrial organization depends on the between financial industry structure and macro-level social structures; on the micro level, depends on the compatibility with financial contract enforcement mechanisms. Based on the internal logic that social structure and financial contracts implementation mechanisms ‘impact on financial industrial organization, the rural financial industry organization with monopoly characteristic is a second best option. From the long-term perspective, the focus of financial reform lies in the institution conditions improve, only the state established finance by exogenous and the emergence of civil endogenous development finance to be able to form a common optimal organizational structure of rural financial industry.