本文以农村信用社为例,基于SCP范式对我国农村金融市场改革与发展的状况进行了实证分析,发现在经历几轮改革后,尽管农信社的垄断地位依然存在,但其垄断势力有较大下降,初步形成了多元化的农村金融市场结构,由此导致了农信社定价等市场行为的改变,农信社的市场绩效也因此有了明显提升。本文提出,由于农信社垄断地位仍然存在,进一步改善我国农村金融市场绩效应进一步降低准入门槛,强化市场竞争,构建多元化、多层次、适度竞争的农村金融市场。 Based on the SCP paradigm, this paper analyzes the situation of the reform and development of rural financial markets in our country based on the SCP paradigm. It is found that after several rounds of reforms, although the monopoly position of rural credit cooperatives still exists, the monopoly power of the rural credit cooperatives A large decline in the initial formation of a diversified rural financial market structure, which led to the RCCs pricing and other market behavior changes, the market performance of rural credit cooperatives has therefore been significantly improved. This paper argues that due to the monopoly status of RCCs still exists, further improving the performance of China’s rural financial markets should further reduce the barriers to entry, strengthen market competition, and build a diversified, multi-level and moderately competitive rural financial market.