摘要
在讨论了国有商业银行的正式金融安排的失灵与民间金融的非正式安排在解决非对称信息问题的有效性之后 ,本文认为国有商业银行从农村退出现象是正式金融安排的无效率与非正式安排的不足所导致的必然结果。解决“三农”的金融需求问题必须求助于正式金融安排和非正式金融之间的恰当结合。
After discussing the inefficiency of the formal financial institutions' towards the rural economic agents and informal financial institutions' efficiencies in dealing with information asymmetry, the conclusion is that the withdrawal of the State-owned Commercial Banks in China from the rural regions is the result of failure of the formal financial arrangements and inadequacy of the informal financial arrangements. So the proper way to solve the problem lies in the appropriate combinations between the formal and informal financial arrangements
出处
《农业经济问题》
CSSCI
北大核心
2003年第8期61-65,共5页
Issues in Agricultural Economy
