我国农村金融抑制成因及对策探讨

发布时间：2018-01-31 06:36

本文关键词： 金融抑制金融供给金融需求民间金融创业就业　出处：《理论探讨》2015年06期 　论文类型：期刊论文

【摘要】：基于现有的金融抑制与金融深化理论,并结合我国农村金融发展现状,分析了我国农村金融抑制的成因。认为,农村金融机构的缺失造成农村金融供给不足;农村社会保障制度不健全,农业保险缺失,加之农业生产自然风险较大,均增加了农户贷款成本,致使农户对金融的需求不足;农村的"空巢化"现象加剧又进一步约束了金融需求。因此,金融供给不足和金融需求不足共同导致了农村金融抑制现象。解决农村金融抑制,要完善农村金融体系,推动民间金融发展,增加农村金融供给;要大力发展农村经济,支持农村企业发展,吸引更多的劳动力返乡就业和创业,刺激农村金融需求。
[Abstract]:Based on the existing theories of financial repression and financial deepening and combined with the current situation of rural financial development in China, this paper analyzes the causes of rural financial repression in China, and points out that the lack of rural financial institutions causes the shortage of rural financial supply. The imperfect rural social security system, the lack of agricultural insurance, and the large natural risks of agricultural production all increase the cost of farmers' loans, resulting in insufficient demand for finance. The phenomenon of "empty nesting" in rural areas intensifies and further constrains financial demand. Therefore, the shortage of financial supply and financial demand leads to the phenomenon of rural financial repression. We should improve the rural financial system, promote the development of private finance, and increase the supply of rural finance; It is necessary to vigorously develop the rural economy, support the development of rural enterprises, attract more labor force to return home for employment and start businesses, and stimulate rural financial demand.
【作者单位】：江西财经大学经济学院;
【分类号】：F832.35
【正文快照】： 改革开放以来,我国农村金融体系从无到有,并且逐渐发展成以正规金融为主导、以民间金融为辅助的金融体系。然而,近年来出现了大量金融机构从农村撤离的情况,造成农村金融空心化的困境。农村现有金融机构支农力度很小,邮政储蓄又不断从农村抽取大量资金以供城市金融需求,更加剧

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