欠发达农村信贷约束与政策性金融创新

无论是农村的经济主体，还是整个农村，均一定程度上存在信贷约束。二元经济内生增长模型揭示出，农业部门信贷约束的本质是二元经济结构下的市场失灵，即农业部门和非农业部门的资本、劳动力等要素价格差异导致的农业吸纳资金存在弱势。因此，在金融体制市场化改革的大方向下，农村领域的政策性金融不但不能削弱，而且应该在创新中得以加强。同时，政策性金融应注重提升农业技术进步，改造传统农业，并促进农村劳动力的转移。

Restrictions for Underdeveloped Rural Credit Loan and Policy Finance Innovation

There are credit loan restrictions for either rural economic entities or the whole countryside to some extent.Dual economy endogenous growth model reveals that the nature of credit loan restrictions for agricultural departments is the market failure in the dual economy structure,that is,there are disadvantages for agriculture to absorb funds resulted from such factor prices as capital,labor of agriculture and non-agriculture departments.Therefore,in the way of liberalized financial regime reform,the policy ...