新农村建设的信贷资金支持：强制还是鼓励？

由于农村金融市场存在“市场失灵”，才需要政府以某种适当的方式进行干预，强制性手段和鼓励性手段反映了政府干预经济的具体方式不同。“强制论”和“鼓励论”各有利弊，二者的区别首先表现在政府与市场之间的关系不一样；其次表现在二者对农村经济的正面效应是短期的还是长期的？如何利用政府干预来促进城乡金融市场的协调发展，其他国家有可供借鉴的历史经验。由于中国区域经济发展的水平不一，金融市场的发育程度也有很大的差别，因此，应该采取区别对待的政策，根据区域经济的差异情况分别采取不同措施。

Loan Fund Support in New Countryside Construction: Obliging or Encouraging

Owing to ＂market failure＂ in rural financial market, it＇ s necessary for government to intervene in some way, with compulsory means and encouraging means reflecting the different specific intervention modes of the government intervention. There are goodness and badness for ＂obliging theory＂ and＂ encouraging theory＂. The distinction between them is first of all the relationship between the governments and market, and secondly, whether positive effect upon rural economy is short -termed or in a long- run. How to take on government intervention to promote a harmonized development of urban and rural financial market has been practiced in other countries, which can serve as reference. For the sake of different levels of regional economy development in China, there is huge difference in the development level of financial market. Therefore, distinctly - treated policies and different measures should be taken in accordance with the variance of regional economy.