内外生双重约束下农村外生与内生金融的融合

我国二元的农村金融结构,面临着内生外生双重约束及其交互作用,表现为均衡和非均衡的双重信贷配给,导致了供需失衡和有效供求的双重不足。应降低农村金融市场的进入壁垒,完善农村正规金融机构改革,逐步放宽利率约束,以消除外生约束,增加有效供给;通过内生金融与外生金融的联合来降低内生性约束,同时大力提升农村内生性发展动力,真正释放农村真实有效的信贷需求;从而实现农村金融的总供求均衡。

Chinese Rural Endogenous and Exogenous Finance Integration under Double Restriction of Endogenous and Exogenous Finance

China’s dual rural financial structure faces double restriction of endogenous and exogenous finance and their interaction,embodies balanced and imbalanced double credit ration and results in double deficiency of imbalanced supply and demand and effective supply.China should reduce the entry barrier for rural financial market,perfect the reform of rural formal financial agencies,gradually ease interest rate restriction to eliminate exogenous restriction,increase effective supply,lower endogenous restriction by combining endogenous and exogenous finance,meanwhile,promote rural development motion with endogenousness,and really release rural real effective credit demand so that the balance of total supply and demand of rural finance can be reached.