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本文运用传统产业组织理论的SCP范式,基于农村区域经济差异的视角,对江苏省40家农村信用社改革期间(2000—2007年)农村金融市场结构与农村信用社经营绩效的关系进行了实证研究。研究表明,江苏省农村金融市场是以农村信用社为主体的高度垄断市场;考察期内苏南农村金融市场集中度不断降低,实证结果符合有效结构假说,即苏南农村信用社绩效提升主要是由于经营效率提高;而苏北农村金融市场集中度不断提高,实证结果符合混合的共谋/有效结构假说,即农村信用社绩效提升是经营效率提高和市场垄断共同作用的结果。
Based on the SCP paradigm of traditional industrial organization theory and based on the regional economic disparity in rural areas, this paper empirically studies the relationship between rural financial market structure and the operating performance of rural credit cooperatives during the reform of 40 rural credit cooperatives in Jiangsu Province (2000-2007) . The research shows that the rural financial market in Jiangsu Province is a highly monopolized market with rural credit cooperatives as the mainstay. During the period of investigation, the concentration of rural financial markets in southern Jiangsu continued to decrease. The empirical results are in line with the effective structure hypothesis that the performance improvement of rural credit cooperatives in southern Jiangsu is mainly Due to the improvement of business efficiency, and the increasing concentration of rural financial markets in northern Jiangsu, the empirical results are in line with the mixed conspiracy / effective structure hypothesis that the performance improvement of rural credit cooperatives is the result of the combination of business efficiency and market monopoly.