中国农户融资制度：研究现状、历史变迁与供求非均衡

国内学者关于中国农户融资制度的研究内容和研究成果都比较丰富，但系统研究和动态研究略显欠缺，将制度供求理论引入研究的文献很少。结合中国农户融资制度的变迁及制度变迁理论来看，中国农户融资制度变迁的实质是城市利益导向的金融抑制与金融约束并存的政府管制与操纵，这是导致农户正式融资制度供给不足与过剩并存的、非均衡的政策背景，在这种背景下，制度的设计必然与农户的实际需求背离。

The Institution of Rural Household Financing in China: Present Situation, Change and Unequilibrium of Demand and Supply

The contents and achievements about rural households financing study by domestic scholars are fairly rich,but the systematic and dynamatic study is still not enough.Scholars seldom take the theory of institution supply and demand into study.From the rural financing institution change in China and the theory of institution change,we know that the essence of financing institution is government management and manipulation,which is inclinded to city benefit,financing repression and financing restraint.And this is the reason and policy enviorment why formal rural financing institution is insufficient or excess sometimes.Under the condition,the design of institution is certainly depart from rural households' real demands.