农村非正规金融的微观机理与政策测度:国外文献评述

发布时间：2019-01-17 14:28

【摘要】：通过对国外文献关于农村非正规金融问题的研究进行概览,本文发现,农村非正规金融不仅能够降低农户借贷的外生交易费用,还能够降低制度性的内生交易费用;农村非正规金融自发生成的各种内在机制具有较高的制度效率,农村非正规金融可以与农村正规金融共存;以家庭为结点的社区网络是农村非正规金融私人治理机制的基础;为了缓解农户贷款难的问题,由发展中国家政府推出的各种扶贫项目的作用却很有限,因而政府要想有效干预农村金融市场,就必须考虑并充分利用农村非正规金融的作用。但已有研究并未定量分析农村非正规金融与正规金融之间的复杂关系,鲜有文献计量农村非正规金融的经济增长效应;相关的理论研究比较零散,尚未形成一致的理论框架。这就为进一步的研究指明了可选方向。
[Abstract]:Through an overview of the research on rural informal finance in foreign literature, this paper finds that rural informal finance can not only reduce the exogenous transaction costs of farmers' loans, but also reduce the institutional endogenous transaction costs. Various internal mechanisms of spontaneous formation of rural informal finance have higher institutional efficiency, rural informal finance can coexist with rural formal finance, the community network with family as node is the foundation of private governance mechanism of rural informal finance. In order to alleviate the problem of farmers' loan difficulties, the role of various poverty alleviation projects launched by the governments of developing countries is very limited. Therefore, if the government wants to intervene in rural financial markets effectively, it must consider and make full use of the role of rural informal finance. However, there is no quantitative analysis of the complex relationship between rural informal finance and formal finance, and there are few literatures to measure the economic growth effect of rural informal finance. The relevant theoretical studies are scattered and have not yet formed a consistent theoretical framework. This provides an alternative direction for further research.
【作者单位】：兰州商学院金融学院;
【分类号】：F832.35

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