供给、制度与风险：观察湖北省农柱信贷资金的三重视角

信贷供给短缺是制约仝省农村发展的重要因素，而造成这种现象的深层次原因，一方面是现有农村金融制度的约束，限制了金融机构的信贷扩张能力；另一方面是贷款定价没有完全覆盖贷款风险，金融机构缺乏信贷扩张的内在动力，因此，需要加快农村金融体制改革、在农村地区放松信贷管制、完善贷款定价机制。

Supply,Institution and Risk: Triple Perspectives of Reviewing Credit Funds in the Countries of Hubei Province

Shortage in the supply of credit funds is an important factor that baffles the development of the countries in the whole province.The radical causes can be mainly summed as follows: firstly,restriction of the rural financial institution hampered the credit expansion of financial organizations;secondly,since the loan price didn't fully cover the credit risks,the financial organizations have been lacking intrinsic drive of credit expansion.So we should quicken the reform of the rural financial institution,loose the rural credit regulations and improve the pricing mechanism of rural credit.