摘要
本文在对国内外有关农村非正规金融进行理论综述基础上,运用制度变迁理论对我国农村金融缺口产生的原因、非正规金融的演变与农村金融制度变迁进行探讨。文章认为,我国农村金融缺口是正规金融功能性缺失和国家长期金融抑制政策共同作用的产物。金融缺口产生了获利机会,而非正规金融的存在是对这一利润机会的理性回应;我国农村非正规金融的形成和发展以及金融制度变迁是诱致性制度变迁与强制性制度变迁协同发展的必然结果,而不仅仅是一种诱致性制度变迁过程。农村金融制度变迁是一个我国经济转轨过程中经济基础演变引发国家对金融制度重新思考的过程。
On the foundation of carrying on the domestic and foreign theories related with rural non-regular finance, the article uses the system vicissitude theory to explain the reason why rural financial gap in China is produced, the non-regular financial evolution and the rural financial system vicissitude. The article suggests that the regular financial functional flaw and the national long-term financial suppression policy together lead to the financial gap. The financial gap brings about profit opportunity, and the non-regular financial existence is a rational response to this profit opportunity. China＇s rural non-regular financial formation and development as welt as the financial system vicissitude are the inevitable result of the development of the system vicissitude that the market causes in accordance with compulsory system vicissitude. The non- regular financial formation is not only the system vicissitude that the market causes, and the rural finance system vicissitude is the process that the evolution of economic basis initiates a new ponder of our country to the financial system in the process of economic switch.
出处
《西南大学学报（社会科学版）》
CSSCI
北大核心
2009年第3期129-133,共5页
Journal of Southwest University(Social Sciences Edition)
基金
国家社科基金项目"出口贸易与经济增长关系实证研究"(07XJY029)
项目负责人:胡兵
关键词
农村金融缺口
非正规金融
制度变迁
rural financial gap
non-regular finance
system vicissitude
