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Position: Home > Articles > Institution Design in Village Banks Based on the Perspective of the Integration of Institutional View and Functional View:Investigation of 30 Village Banks in Liaoning Province as an Example Issues in Agricultural Economy 2015 (01) 101-106+112

基于机构观与功能观融合视角下的村镇银行制度分析——以辽宁省30家村镇银行的调查为例

作  者:
陆智强
单  位:
宁波大学商学院
关键词:
村镇银行;金融功能;农村金融需求;机构观;功能观
摘  要:
本文通过对辽宁省30家村镇银行的实地调研,从村镇银行建设的"机构观"与"功能观"视角出发,深入剖析了机构路径下所产生的委托代理关系及其派生的限制村镇银行发展的"三个枷锁"。在当前的机构路径中,村镇银行的设立并没有考虑到农村地区的信息、文化和经济特征,因而不具备向农村地区提供金融服务的功能。村镇银行建设应遵循"机构观"与"功能观"相融合的制度思路,将自身金融功能与农村金融需求相匹配,实现村镇银行在农村地区的可持续发展。
译  名:
Institution Design in Village Banks Based on the Perspective of the Integration of Institutional View and Functional View:Investigation of 30 Village Banks in Liaoning Province as an Example
作  者:
LU Zhiqiang;
摘  要:
Based on the investigation of 30 village hanks in Liaoning province,the paper analysis the principal-agent relationship and the three yoke in village banks.In the path of institutional view,the constructions of village hanks do not lake into account the information characteristics,cultural characteristics and economic characteristics in rural areas,so they do not have the function to provide financial services to the rural areas.Therefore,the paper points out that the construction of village banks should follow institution thinking in institutional view combined with functional view,and realize the sustainable development of village banks.

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