CAJ | 학술논문

允许民间资本进入农村金融服务领域，实现了农村金融制度变迁模式的创新，也开启了全国金融市场向民间资本开放之路。准入新政在改变制度变迁模式、实现增量改革、突破改革“路径依赖”的同时，改革的实践则表明，新的农村金融制度改革仍存在未能摆脱“诺思悖论”、新型农村金融机构根植于农村的属性弱化、竞争力不足以及大规模偏好等问题。为此，应进一步放开民间资本的准入之门，以利率市场化、农业现代化和新型城镇化吸引资金流向农村；以存款保险制度和完善的监管机制保护农村小型金融组织的竞争力。
윤허민간자본진입농촌금융복무영역，실현료농촌금융제도변천모식적창신，야개계료전국금융시장향민간자본개방지로。준입신정재개변제도변천모식、실현증량개혁、돌파개혁“로경의뢰”적동시，개혁적실천칙표명，신적농촌금융제도개혁잉존재미능파탈“낙사패론”、신형농촌금융궤구근식우농촌적속성약화、경쟁력불족이급대규모편호등문제。위차，응진일보방개민간자본적준입지문，이리솔시장화、농업현대화화신형성진화흡인자금류향농촌；이존관보험제도화완선적감관궤제보호농촌소형금융조직적경쟁력。
It is innovation of rural financial system model to allow private capital to enter the field of financial services in rural areas, and it also opens the road to attract private capital in national financial market. Institutional change achieves incremental reforms and the breakthrough in the reform of ＂path dependence＂, while the practice of the reform indicates that the new rural financial system reform has not been able to get rid of ＂North Paradox＂ and the new rural financial institutions are rooted in the weakening of the rural property,lack of competitiveness, large-scale preferences. To this end, we should make further liberalization of access to private capital and attract capital flows to rural areas by means of interest rate liberalization, agricultural modernization and new-type urbanization. The government should also conduct deposit insurance system and a comprehensive monitoring mechanism to protect the competitiveness of small rural financial organizations.