中国农村二元金融结构的实证研究

自新结构主义学派提出发展中国家的金融结构问题，学者对发展中国家广泛存在的二元金融结构进行了理论研究和实证分析。基于理论的开放性，本文运用概率单位模型，检验正式金融和非正式金融在中国农村的运作，分析影响农户与正式、非正式金融发生借贷的因素，基于微观基础论证二元金融结构作为一种制度安排所具有的合理性。

An Empirical Study of the Financial Dualism in China's Rural Areas

After neo- structuralism raised the problem of financial structure of developing countries, scholars have developed a lot of theoretical and empirical study on financial dualism, Based on the opening character of the theory, this paper uses the probit model to examine the operations of formal and informal finance in chinag rural areas, analyses the factors that induce farmers to borrow from formal or informal finance, and explains the theoretical reasons for the existence of rural financial dualism as a system on the basis of microcosmic.