| 我国农村正规金融结构性失衡的实证研究 |
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| 引用本文： | 李凤羽,杨墨竹.我国农村正规金融结构性失衡的实证研究[J].湖南文理学院学报(社会科学版),2010(5). |
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| 作者姓名： | 李凤羽 杨墨竹 |
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| 作者单位： | 东北财经大学经济与社会发展研究院;东北财经大学金融学院; |
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| 摘 要： | 由于受到农业生产方式、国家农业政策以及农村土地制度的影响,我国农村正规金融贷款投放存在着结构性失衡问题。我国农业的内生贷款需求小于贷款供给,存在需求抑制;而乡镇企业受其自身经营、信用状况以及国家扶持政策退出的影响,其贷款内生需求大于实际供给,存在供给抑制。农村正规金融的结构性失衡导致金融机构贷款不良率上升,政府干预成本增加,农业生产率提高缓慢,乡镇企业贷款难以及农业贷款外流等。
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| 关 键 词： | 农村正规经融 结构性失衡 实证研究 |
The Structural Imbalance of Normal Rural Finance in China: Empirical Study |
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| LI Feng-yu,YANG Mo-zhu.The Structural Imbalance of Normal Rural Finance in China: Empirical Study[J].Journal of Hunan University of Arts and Science:Social Science Edition,2010(5). |
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| Authors: | LI Feng-yu YANG Mo-zhu |
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| Institution: | LI Feng-yu1,YANG Mo-zhu2(1.Research Academy of Economic & Social Development,Dongbei University of Finance and Economics,Dalian 116025,China,2.Financial School,China) |
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| Abstract: | There exists structural imbalance of normal rural finance in China because of influence of agricultural production method,national agricultural policy and rural basic system.In China,agricultural loan demand is less than supply,thus leading to demand repression;while township enterprises loan demand is more than supply due to the influence of their operation condition,credit condition and withdrawal of national support policy,thus leading to supply repression.Structural imbalance of normal rural finance wil... |
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| Keywords: | normal rural finance structural imbalance economics analysis empirical study |
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