중국 농촌금융의 개혁에 관한 연구: 신형 농촌금융기구를 중심으로 = Reform of the Rural Financial System in China: Focused on New-Type Rural Financial Institutions

다국어 초록 (Multilingual Abstract)

This paper analyzes the financial reform in Chinese rural area. China`s rural financial system has changed dramatically over the last twenty five years, but rural financial reforms were lagging behind changes in the real economy and required further economic transition. The main official financial institutions like Agricultural Bank and Rural Credit Co-operatives (RCC) could not served enough fund to agriculture sector or countryside. Since the financial reform after mid-90s, many of rural branches of official financial institution are closed and merged by authorities. Central government tried to improve efficiency of the financial institutions to cut off the red-inked branches in countryside. However after the global financial crises, the Chinese government changed its development strategy to improving domestic economy and tried to revitalized rural financial systems for inland or rural economic development. The new-type rural financial institutions are established for this objectives. This new institutions are offering funds to rural peasants and small size enterprises and not to support local level government project which is caused for weakness of existing rural official financial institutions. Investigated many performances of new-type rural financial institution until quite recently, We found that new-type rural financial institutions performed quite well and contributed rural economic development substantially. However, We may postpone the final evaluations of new-type rural financial institution until they will covered most of rural area.

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