| “非中介化”、农户货币偏好与农户信用重建研究 |
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| 引用本文： | 张军,罗剑朝.“非中介化”、农户货币偏好与农户信用重建研究[J].财经论丛,2006(3):8-13. |
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| 作者姓名： | 张军 罗剑朝 |
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| 作者单位： | 西北农林科技大学经济管理学院,陕西,杨凌,712100 |
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| 基金项目： | 教育部人文社会科学研究项目 |
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| 摘 要： | 本文对农村金融中的常态“非中介化”和农户货币偏好规律进行了探讨,揭示伴随农户借贷行为而产生农户融资渠道的转变和货币偏好,这两种经济现象背后的实质是信用的核心———普适性信任在发生作用,提出通过建立农户贷款担保基金和强化农村合作经济组织建设,以重构农户信用。同时,通过完善农村信用社的经营机制和产权结构,优化对农户信用缺失约束的外部环境,以增强双方的信任度,从而达到消除农村金融中的常态“非中介化”等对农户收入增长的不利因素。
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| 关 键 词： | “非中介化” 农户货币偏好 农户信用 |
| 文章编号： | 1004-4892（2006）03-0008-06 |
| 收稿时间： | 03 7 2006 12:00AM |
| 修稿时间： | 2006-03-07 |
The Disintermediation, Money Preference of Farmer Household and Reestablishment of Farmer Household's Credit |
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| ZHANG Jun,LUO Jian-chao.The Disintermediation, Money Preference of Farmer Household and Reestablishment of Farmer Household''''s Credit[J].Collected Essays On Finance and Economics,2006(3):8-13. |
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| Authors: | ZHANG Jun LUO Jian-chao |
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| Abstract: | The paper focuses on the disintermediation and the money preference of farmer household in the rural finance,reveals the core of credit universal confidence behind the economic phenomenon and gives related policy stability to reestablish the credit of farmer household through building farmer guarantee funds,strengthening the rural cooperate economic organization and optimizing the RCCs' property rights structure and management to achieve the confidence of the farmer household and RCCs. |
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| Keywords: | disintermediation money preference of farmer household farmer household's credit |
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