农户视角下的中国农村金融制度建构

中国传统农户收入水平低、圈层的人际关系网以及生存理性等特征,决定了农户存在较大的融资需求。为避免无法获得熟人借贷亦无法从正规金融机构获得融资的农户被迫选择高利贷,国家应加大政策性金融服务农村的力度,降低农户获得国家信贷支持的门槛。在农户没有产生商业性金融需求时,在传统农区强制性推行商业金融是不可取的。

Institutional Construction on the Rural Finance: a View of Chinese Farmers

This is the characteristics of the traditional Chinese farmers,for example,low level of income,survival rationale and the interpersonal network,which decides the big funding demand.The Policy-oriented finance should strengthen its serving rural economy,to prevent farmers from the usury problem,which exist just because no loan acquire from the formal financial institutions or acquaintances.It is undesirable to mandatory implement the commercial finance in the traditional rural,while farmers no demands of commercial finance.