摘要
本文认为农村金融制度的成败在于能否有效满足微观金融需求。与典型中国小农家族金融需求相适应的,只能是人情信贷、互助信用、民间信贷和国家农贷等传统金融安排。只有当公共保障机制取代家族保险功能,农民收入水平提高到一定程度,现代商业性金融才可能引入广大农村。现阶段中国所需要的是一个多层次、梯度化的农村金融制度。在实现这一理想的过程中,政府的首要职责就是提高农民收入,培育现代金融需求。
The key to the financial system is whether it can effectively meet the micro-financial demands or not. According to the typical financial demands of Chinese small-farmer clan, traditional financial arrangements, such as acquaintance credits, mutual aid credits, and non-governmental credits play an important role in rural areas. Only when the public mechanisms may take the place of the insurance function of clans, and then income reaches a certain level, can we introduce modern commercial financing to the areas. Therefore, currently the appropriate rural financial system should be characterized as multi-financial arrangements coexisting and echelon evolution. For this end, the chief responsibility of government is to increase farmers' income, and then to develop modern financial demands.
出处
《金融研究》
CSSCI
北大核心
2005年第4期89-98,共10页
Journal of Financial Research
关键词
农村金融
金融需求
金融制度
rural finance, financial demands, financial system
