基于成本差异的农村非正规金融的供求分析

在我国,大量的农村金融服务需求是由非正规金融来提供的,理论界在早期的研究中多侧重于研究非正规金融消极的一面。但是,基于成本差异条件下供给者和需求者的借贷行为决策模型却表明,农村非正规金融市场的存在,是供给者和需求者各自最大化其收益的均衡结果,具备其存在的合理性。因此,政府在制定政策支持正规金融发展的同时,不能一味压制非正规金融,而应该不失时机地合理引导和促进农村非正规金融的发展。

Analysis of Rural Non-formal Finance Supply and Demand Based on Cost Differences

In China's rural areas,substantial demands for financial services are provided by non-formal finance.However,in the early studies,theoretical circles focused on the negative sides of non-formal finance.The borrowing decision model based on the cost differences between suppliers and demanders has clearly indicated that the rural non-formal financial markets are those of their suppliers and demanders balance to maximize their earnings results with the rationality of its existence.Therefore,as formulating poli...