摘要
本文借助一个对沈阳地区农村民间借贷情况的问卷调查,研究了民间借贷这种农村普遍存在的非正规金融在农村经济中的重要作用和影响,并进而探讨了民间借贷与农村金融改革的相互关系问题。本文的主要结论和政策含义是,强化和完善农村正规金融并不一定以要限制非正规金融的发展为条件;相反,强化和完善农村正规金融还需要非正规金融的支撑。因此,对于农村民间借贷,任其自然发展是一个比较好的政策选择。
This paper focuses on prevailing informal finance in China rural area. Based on a questionnaire survey, we discussed the correlation between informal finance and China＇ s agricultural finance reform. As conclusion, we find that the existence of rural informal financial networks is a very helpful backstop to China＇s efforts to build up a competitive agricultural finance system instead of a troublemaker.
出处
《金融研究》
CSSCI
北大核心
2006年第8期103-110,共8页
Journal of Financial Research
