摘要
信贷补贴模式和市场模式相继失败之后,作为新的农贷模式,金融联结逐渐从民间自发实践演变为许多发展中国家的国家战略。金融联结既利用农村信贷市场微观结构,又融合正规金融和乡村中介的比较优势。它盛行于发展中国家,大量存在于新兴市场和发达国家,于我国亦初现端倪。从文献梳理视角,本文分析评述金融联结的现实背景、理论机理及国内外实践。基于发展前景的乐观预期,依据一般原理,结合中国情景,本文提出实施金融联结的政策建议。
After the subsidized credit paradigm and rural financial market paradigm failed,the financial linkages become the stratagem which resulted from the spontaneous practice as a new mode of farm loan.The financial linkages make use of both the microstructure of the rural loan market and the comparatively advantage of the formal and informal financial intermediaries.The financial linkages prevail in the undeveloped countries.In the EMES and developed countries,there are also a lot of financial linkages.In China,the financial linkages are practiced by many financial intermediaries.The paper analyses the background,conclude sum up the mechanism of theory,sum up the experience of financial linkages.Referring to the basic principle,we give some advice on how to put the financial linkages in practice according with the context of China.
出处
《金融理论与实践》
北大核心
2011年第7期99-103,共5页
Financial Theory and Practice
基金
国家社科基金"金融联结的理论机理研究"(编号:11BJL012)
国家社科基金"村镇银行发展的现实困境与竞争潜力研究"(编号:10BJY057)
广东省哲学社会科学"十一五"规划项目"国际金融危机
损失承担非对称性与农民和相对贫困恶化"(编号:09E-14)
教育部人文社会科学研究一般项目(规划基金项目)"机构贷款投向农村地区的市场化模式:垂直联结的理论范式及其实践"(编号:10YJA790136)
关键词
金融联结
农贷模式
正规金融
Financial Linkages
Farm Loan Mode
Formal Finance