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Objective view is the ideal choice for deepening the reform of rural financial organizations: Based on the perspective of practice evolution of the concept of organization and function

YANG Yimin;YE Minghuan;Institute of Industrial Economics, Chinese Academy of Social Sciences;Business School, Hunan Agricultural University;  
This paper studies the reform of China's rural financial organization from historical perspective. With the logic line of "structure → function → behavioral performance", the reform under the institution view changed mandatory from top to bottom at micro-level and then formed the initial China's rural financial system which existed limitations of perspective, approach and direction. On the basis of institution view, the function view centered in the financial function, and according to the idea of "demand → functions → structure", the reform tried to meet the diversified market demands with its stable financial function and various organizations. However,with the deepening of reform, the flaw in deinstitutionalization, the limitations of fundamental design and difficulty in duplicating the reform achievements appeared gradually. Based on past experience, this paper proposes some suggestions to achieve the ultimate goal of inclusive finance: to guide the reform of rural financial organizations with the dual objectives of economic interests and social responsibility, to pay attention to the organization function and the institution building, and to set the sustainable development as the principle and healthy financial ecology as guarantee.
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