农村正规金融与非正规金融合作路径研究

发布时间：2018-07-31 10:02

【摘要】：长期以来,我国农村金融供给不足、金融效率低下的问题一直未能得到有效的解决,原因可能是多方面的,其中农村正规金融与非正规金融的优势互补没有很好的发挥出来，，两者缺乏合作是其重要原因。从已有的实践来看,农村正规金融与非正规金融的合作一定程度上弥补了农村金融供给不足,提高了金融效率,但是两者的合作目前仍然处在浅层次阶段。所以,如何更好地实现农村正规金融与非正规金融的合作成为理论研究的重要课题。本文以理论分析做铺垫,首先详细介绍了二元金融理论、交易成本理论、金融效率理论,着重分析了农村正规金融与非正规金融合作的必要性与可行性。然后结合我国目前现实情况,分析了两者合作的主要路径,对两者合作效果进行了分析。结果发现,目前我国农村正规金融与非正规金融合作的整体效果良好,但是在现实中的实践较少,客观上仍然存在着一定的制约因素。在此基础上,主要运用博弈论的方法来分析两者合作可能带来的收益成本,并且对其中的两种合作路径进行了影响因素分析。研究发现,从改革开放这几十年来看,农村非正规金融与政府所支持的正规金融合作的净收益都是远大于不合作的收益,所以双方博弈选择的结果是合作；其合作受到多种因素的影响,其中监管机构对受托方违规查证成功的概率、查出受托方违规后的罚款等是委托贷款合作路径的影响因素；超额利润与合作成本是批发贷款合作模式的影响因素。综合合作条件和影响因素来看,农村正规金融与小额贷款公司或者专业放贷者的合作、与龙头企业的合作、与担保公司的合作、与小组金融或者专业合作社的合作这四种合作模式适宜在广大农村地区推广；捆绑信贷的实施则受较多条件约束；而委托贷款、代办中介业务、批发式贷款这三种合作模式的推广具有较多的局限。最后针对我国农村正规金融与非正规金融合作路径出现的问题提出政策建议,从而推动两者顺利地进行合作。
[Abstract]:For a long time, the problems of insufficient supply of rural finance and low efficiency of finance in our country have not been effectively solved for many reasons, among which the complementary advantages of rural formal finance and informal finance have not been brought into full play. The lack of cooperation between the two is an important reason. From the existing practice the cooperation between rural formal finance and informal finance to some extent make up for the shortage of rural financial supply and improve the financial efficiency but the cooperation between the two is still in a shallow stage. Therefore, how to better realize the cooperation between rural formal finance and informal finance has become an important subject of theoretical research. This paper first introduces the dual finance theory, transaction cost theory and financial efficiency theory in detail, focusing on the necessity and feasibility of rural formal and informal financial cooperation. Then, according to the current situation of our country, this paper analyzes the main ways of cooperation between the two, and analyzes the effect of the cooperation. The results show that the overall effect of the cooperation between rural formal finance and informal finance is good, but the practice in reality is less, and there are still some restrictive factors objectively. On this basis, the paper mainly uses the method of game theory to analyze the possible benefit and cost of the cooperation, and analyzes the influencing factors of the two kinds of cooperative paths. It is found that the net benefit of rural informal finance and the formal financial cooperation supported by the government is far greater than that of non-cooperation in the past few decades, so the result of game selection is cooperation. The cooperation is affected by a variety of factors, including the probability of the regulatory authority to verify the failure of the trustee, and the fine after the violation of the violation by the trustee is the influence factor of the cooperative path of the entrusted loan; Excess profit and cooperation cost are the influencing factors of wholesale loan cooperation mode. From the perspective of the conditions and influencing factors of cooperation, the formal rural finance and the cooperation of microfinance companies or professional lenders, the cooperation with leading enterprises, and the cooperation with guarantee companies, The four modes of cooperation with group finance or professional cooperatives are suitable to be popularized in the vast rural areas; the implementation of bundling credit is restricted by more conditions; and the commission of loans, agency intermediary business, The promotion of the three cooperation modes of wholesale loans has many limitations. Finally, some policy suggestions are put forward to promote the cooperation between rural formal finance and informal finance.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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