新形势下农村金融信贷制度变迁的法经济学研究

新农村建设资金需求巨大,农户缺少合格抵押品,信息不对称,信用担保贷款不畅。农村金融机构惜贷,农村资金＂非农化＂现象严重。唯有国家金融干预,实行利息贴补,变革农村信贷担保制度,大力发展小型金融贷款组织,才能形成有效竞争的农村金融市场,彻底改变农村金融供求失衡的局面。

Law and Economics Study on Changes of Rural Financial Credit System under the New Situation

The demand for funds of new countryside reconstruction is huge.However,farmers are lack of qualified hostage;there exists information asymmetry,credit assured loan is often refused;rural financial institutions are unwilling to loan to the farmers;the phenomenon of rural finance "outflow" is serious.Only through government intervention of rural financial market,implementation of interest rate subsidies,reforming credit guarantee system in rural areas and firmly developing micro-finance loan organizations,can we acheive an efficiently competitive rural financial market and completely change the situation of imbalance between supply and demand of rural finance.