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基于市场失灵分析的农村信贷供给不足研究

发表时间:2008-05-15  浏览量:1502  下载量:615
全部作者: 王重润
作者单位: 河北经贸大学金融学院
摘 要: 农村信贷供给不足以及信贷配给严重是农村金融市场失灵的具体表现。导致农村金融市场失灵的原因在于竞争不充分、信息不对称、交易成本高、系统性风险大等。增加农村信贷供给必须纠正市场失灵。农村金融市场失灵的解集包括开放农村金融市场,完善以合作金融为基础的农村金融体系,完善农业贷款的激励约束机制,发展农业贷款担保和保险,健全农村信用评估机制等。本文从市场失灵的角度分析了造成农村金融发展滞后的原因并提出了发展对策。
关 键 词: 农村金融学;农村信贷;供给不足;市场失灵
Title: Rural credit supply insufficiency based on market failure
Author: WANG Chongrun
Organization: Department of Finance, Hebei University of Economics and Business
Abstract: Rural financial market failure implies rural credit supply insufficiency and credit ration severe. The factors that make rural financial market failure include insufficient competition, information asymmetries, higher transaction costs and system risks. To rectify market failiue is necessary to increase rural credit supply. Eliminating market failure need open rural financial market, perfect rural financial system based on mutual finance, build rural credit incentive mechanism, develop rural insurance and rural credit guarantee institutions. This paper’s contribution is based on market failure to analyze the reasons why rural finance developing slowly and put forward appropriate policy proposals.
Key words: rural finance;rural credit;supply insafficiency;market failure
发表期数: 2008年9月第9期
引用格式: 王重润. 基于市场失灵分析的农村信贷供给不足研究[J]. 中国科技论文在线精品论文,2008,1(9):1099-1105.
 
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