摘要
农村金融的发展,既需要外部增量资金的投入,又需要基于熟人社会到陌生社会的社会治理结构的制度转换和制度信任的保障。农村土地确权可以推动农村金融的内生发展,实现农村金融的现代化。文章计量模型及实证研究表明,农村土地确权不仅有利于减弱农村金融对熟人社会的过度依赖,还可提升农民的参与机会,促进农村金融交易环境的改善,增加农民的贷款额度和农村金融的覆盖面,从金融宽度、广度、深度和交易环境四个维度推动农村金融发展。通过研究还发现,农村土地确权降低了金融机构的贷款成本,有利于降低贷款利率,提高农业经营收益。
Both the investment in external incremental funding and the security of system conversion and institutional trust based on the structure of social governance from acquainted societies to strange ones are required for the development of rural finance. The adjudication of land-rights in rural areas may not only promote the endogenous development of rural finance but also bring about rural financial modernization. The econometric model and empirical research in this thesis has shown that the adjudication of land-rights in rural areas is conducive not only to weaken the over-reliance of rural finance on social acquaintances, but also to enhance the opportunities for farmers to participate in; In addition, to contribute to the improvement of rural financial trading environment as well as to increase farmers＇ credit lines and enhance the cove rage of rural finance, thus promoting the development of rural finance from four dimensions： financial width, breadth, depth, and trading environment. This study has also found that the adjudication of land-rights in rural areas cuts down the cost of loans for financial institutions, beneficial to lowering lending rates and improving agricultural operating income.
出处
《经济地理》
CSSCI
北大核心
2016年第7期160-166,共7页
Economic Geography
基金
国家社会科学基金项目(15BJY086
14BJL071)
湖南省教育厅重点项目(15A174)
湖南省教育厅优秀青年项目(13B109)
关键词
农村
土地确权
农村金融
湖南省
rural areas
adjudication of land-rights
rural finance
Hunan Province
