CAJ | 학술논문

如果实现二元转型是最终解决“三农”问题的关键，那么现有农村金融体系的重构就不应仅着眼于农户信贷的获取，而至少要同等程度的关注农村工业部门的资本积累。基于这一考虑，本文从我国发达地区转型过程中所面临的双重二元经济特征出发，通过构造竞争条件下农村金融市场的一般均衡模型、农村工业部门的资本积累动态最优化模型和农民收入最大化的动态模型，对农村金融市场的利率市场化、农村金融机构竞争机制和农村金融资源外流问题进行了规范地分析。分析结果认为，无论是利率市场化还是竞争机制的引入，都有一个时机选择问题。
여과실현이원전형시최종해결“삼농”문제적관건，나요현유농촌금융체계적중구취불응부착안우농호신대적획취，이지소요동등정도적관주농촌공업부문적자본적루。기우저일고필，본문종아국발체지구전형과정중소면림적쌍중이원경제특정출발，통과구조경쟁조건하농촌금융시장적일반균형모형、농촌공업부문적자본적루동태최우화모형화농민수입최대화적동태모형，대농촌금융시장적리솔시장화、농촌금융궤구경쟁궤제화농촌금융자원외류문제진행료규범지분석。분석결과인위，무론시리솔시장화환시경쟁궤제적인입，도유일개시궤선택문제。
Obviously,it is very important to reconstruct the rural financial market to resolve the ＂shan-nong＂problem. But the existing rural financial theories about this all point to how to mobilize the financial resource. However, in developed area of China, the economic environment is very different. In fact, we face a Bi-duality Economic. So the key things to resolve this problem are not only to consider the financial resorce＇s mobilization,but also the rural industry sector＇s capital accumulation. In this paper, we construct a series of model to analyze these problems and get some new results.