我国农村金融市场效率研究——从金融促进农村经济发展的角度

本文认为判别与评价我国农村金融市场效率应该从下面两个方面进行研究：一是我国农村金融对农村经济的促进作用；二是我国农村金融市场的金融资源的均衡。从金融促进农村经济发展的角度。实证发现我国农村金融市场的效率低于全国金融市场的效率水平，主要由于农村正规金融机构的发展水平低下、农村金融市场的需求低下和农村金融市场的“高风险低效益”等因素所导致。因此，建议：发展中小金融机构，弥补正规金融的不足：创新金融工具，聚集农村金融需求；建立农村金融风险补偿制度，降低金融风险；改革金融定价和补贴政策，提高农村金融收益水平。

Study of Financial Market Efficiency in Rural Area in China

The evaluation of the China＇s rural financial market efficiency should be studied from the following two aspects： First, the role of China＇s rural finance in promoting economy; second, the balance of financial resources in China＇s rural financial markets. There is evidence that China＇s rural financial market efficiency is lower than the national average. Therefore, the paper recommends that： small-sized financial institutions should be developed to make up for the lack of formal finance; financial instruments should be innovated; financial risk compensation system should be established to reduce financial risks; financial subsidies and pricing policies should be reformed and rural financial benefits raised.