对我国农村金融问题的理论思考

由交易成本、信息不对称、契约不完全及产业约束导致的农村正规金融安排失灵、有效的非正规金融安排受到压制以及金融剩余大量流失,是我国农村存在巨大的金融缺口并逐年扩大的根本原因。只有充分发挥政府的主导作用,采取供给领先策略,才能使农村金融和农村经济进入相互支持的发展轨道。

A Theoretical Think on Financial Problem of Chinese Rural Areas

Transaction costs and incomplete contracts result in failures of formal financial institutions and suppression of informal financial institutions.Chinese rural areas offer abundant financial residue because of industrial restraint.Those are the main reason why in Chinese rural areas there is an enormous financial gap which expands years by years.The rural finance and the rural economy can support each other to develop only by sufficiently exerting a government leading role and adopting a strategy of supply lead.