摘要
我国的小农经济特性是导致农村金融市场"有效需求不足,有效供给有限"两难困境的根本性原因。本文通过对农村金融改革路径的对比分析,指出通过推动农村金融生态环境的建设,即打破农村的二元信用结构,构建农村网状的信用体系,比推动农信社体制改革的成本要小而收益更大。遵循以上逻辑,本文提出构建政策性的农村信用担保体系,以团体贷款的形式来提高农户群体的金融需求水平,以此来推动农村经济的发展,最终达到农村经济与现代金融制度相接轨的目标。
The sitution that effective demand is insufficient and supply is limited in china＇ s rural finance market results from the farmers econoroy. Tthrough analysing the rural financial reform routes, This text points out that promoting rural financial ecological environment, building the netted credit system, is much better than the reform of the rural credit union system. Following the logic, the paper suggests that government should build the rural credit assurance system. Such that could improve the level of farmers＇ financial demand to reach the demands of modern finance system.
出处
《预测》
CSSCI
2008年第1期77-80,共4页
Forecasting
关键词
农村金融
小农经济
互助担保
团体贷款
rural finance
farmers economy
credit security
group lending
