农村非正规金融正规化的模式比较与政策选择

中国农村非正规金融的正规化不仅有助于降低交易费用与信贷风险,还有益于提高资金的配置效率。中国农村非正规金融向正规金融转化主要有四种经典模式:即农村互助合作金融模式、"农村非正规金融组织+小额贷款公司+民营中小银行模式"、"农村非正规金融组织+村镇银行+地区性中小银行"模式、"农村合作银行或农村商业银行"模式。这四种模式为农村非正规金融正规化的途径选择提供理论依据。当然,要想农村非正规金融正规化,还需从法律壁垒、财税政策、运作成本、外部环境等方面多加谋划。

A Model Comparison and Policy Choice for the Formalization of Rural Informal Finance

The formalization of rural informal finance can reduce transaction costs and credit risk, and be also beneficial to improving the efficiency of the allocation of funds. China rural informal finance to the formal financial transformation mainly have four kinds of classical model, that is rural cooperative finance mode, ＂Rural non-formal finance organization ＋ Small load company ＋ private small and medium-sized banks model＂, ＂Rural informal financial organization ＋ Rural Bank ＋ small and medium-sized regional banks ＂ mode＂ and ＂Rural cooperative banks and rural commercial banks mode. To provide theoretical basis for these four kind of patterns as the way of formalization of non-formal finance rural choice, typical cases and so on, which can provide a theoretical basis.To provide theoretical basis for these four kind of patterns as the way of formalization of non-formal finance rural choice. Of course, to the formalization of non-formal finance rural, also from the aspects of legal barriers, fiscal and taxation policy, operation cost, external environment and planning.