民间金融与农村减贫

作为世界上最大的发展中国家,中国一直为贫困所困扰。当前的扶贫政策,在金融制度安排方面,主要依赖于政府主导的正规金融,但由于在政府失灵现象发生的情况下,往往存在资金使用效率低下及资源浪费等问题。民间金融以其自身的比较优势,在民间减贫中起到了无可替代的作用,弥补了当前扶贫政策的不足。然而,现有的金融政策和环境还有不少因素制约着民间金融的发展。因此,应优化金融制度安排,采取相应策略更好地发挥民间金融在农村减贫中的作用。

Private Finance and Rural Poverty Reduction

As the world's largest developing country,China has been plagued by the problem of poverty.The existing anti-poverty policies in the financial system arrangements,include formal government-led financial support,but the phenomenon still occurrs because of the failure of circumstances,the existence of inefficiency,waste of resources and diversed funds,etc.The paper suggest that to solve this problem should benefit fromthe success of the international anti-poverty NGO practices and by exerting the positive role of non-government-led financial rural poverty reduction.