农村需求型金融抑制的原因与对策——基于江西农户的调查

金融是现代社会的核心,但在经济较为落后的农村,其金融体系并没有发挥应有的功能,反而抑制了农村经济发展,经济发展的滞后又反过来制约了农村金融体系的进一步完善。通过实地调研,发现江西农村存在需求型金融抑制,从需求角度分析农村金融抑制问题的理论依据,并运用调研资料分析金融抑制的成因,最后从提高农村金融需求的角度提出破解金融抑制的办法。

The Causes and Countermeasures of Rural Demand-based Financial Repression——Based on Survey of Peasant Households in Jiangxi

Finance is the core of modern society.The financial system does not play its role in the more backward rural areas,but restrict the rural economic development.Conversely,the lagging economic restricts the further improvement of the rural financial system.The article is based on field research,and points out that demand-based financial repression exists in rural areas of Jiangxi Province.From the perspective of demand,we analyse the theoretical basis about rural financial repression,find out the causes of financial repression by examining survey data,and at last propose an approach to financial repression from the views of improving the rural financial demands.