摘要
非正规金融是内生于民间金融需求的处于正规金融之外的一种制度安排,是民间金融创新的产物,它的出现打破了长期以来农村金融市场的垄断格局,提高了农村金融市场的竞争度,对农村金融体制改革有着重要意义。文章在回顾农村非正规金融研究发展的基础上,从实证的角度分析了非正规金融对河南省农村经济增长的影响,阐明了农村非正规金融的比较优势,提出发展河南省农村非正规金融应赋予非正规金融合法发展的法律基础,构建非正规金融健康发展的制度体系,建立正规金融与非正规金融之间合作互补的联结机制。
Non-formal finance is one institutional arrangement that within the folk financial needs and out side the formal financial. It is the folk financial innovation＇s product which has broken the tong-standing monopoly of rural financial markets, strengthened competition in rural financial markets. [t is very important to the rural finance system reform. On the basis of elaborate the research of non-formal finance, the article empirically analyzes the impact of non-formal finance to rural economic growth in Henan Province, Clarifies comparative advantages of the rural non-formal financial, and gives some proposes about the rural non-formal finance＇s development.
出处
《金融理论与实践》
北大核心
2010年第5期74-76,共3页
Financial Theory and Practice
关键词
非正规金融
经济增长
政策选择
Non-formal Finance
Economic Growth
Policy Selection
