经济理论与经济管理
經濟理論與經濟管理
경제이론여경제관리
Economic Theory and Business Management
2014年
11期
101~112
,共null页
农村金融市场失灵 供给不足 金融排斥 治理
農村金融市場失靈 供給不足 金融排斥 治理
농촌금융시장실령 공급불족 금융배척 치리
rural financial market failure; supply shortage; financial exclusion;governance
本文在新型农村金融机构试点5省26个机构覆盖地域内抽样1938个农户样本访谈调查基础上,通过农户信贷障碍的皮尔森相关分析和以农户对贷款渠道认同度为名义变量的回归研究证明：相对于“供给不足”而言,现阶段农村金融“市场失灵”更多的是农村金融机构的“‘理性’排斥”行为所致.治理农村金融市场失灵的关键药方不是简单增加供给,而是甄别、判断和监管农村金融机构的不当排斥行为.
本文在新型農村金融機構試點5省26箇機構覆蓋地域內抽樣1938箇農戶樣本訪談調查基礎上,通過農戶信貸障礙的皮爾森相關分析和以農戶對貸款渠道認同度為名義變量的迴歸研究證明：相對于“供給不足”而言,現階段農村金融“市場失靈”更多的是農村金融機構的“‘理性’排斥”行為所緻.治理農村金融市場失靈的關鍵藥方不是簡單增加供給,而是甄彆、判斷和鑑管農村金融機構的不噹排斥行為.
본문재신형농촌금융궤구시점5성26개궤구복개지역내추양1938개농호양본방담조사기출상,통과농호신대장애적피이삼상관분석화이농호대대관거도인동도위명의변량적회귀연구증명：상대우“공급불족”이언,현계단농촌금융“시장실령”경다적시농촌금융궤구적“‘이성’배척”행위소치.치리농촌금융시장실령적관건약방불시간단증가공급,이시견별、판단화감관농촌금융궤구적불당배척행위.
Based on the findings of the 1 938 households＇ samples survey in geographical area covered by 26 agencies in 5 provinces, this study proved that the current rural financial market failure was not due to the ＇supply shortage＇ . The rational rejection behaviors of rural financial institutions led some farmers and small-micro enterprises could not get credit services, based on the Pearson correlation analysis of farmer credit obstacles and the regression analysis of the identification degree of farmers to loan channel as nominal variables. The solution key of the failure governance was not to increase the financial supply simply, but to screen, estimate and control those improper exclusion behaviors implemented by rural financial institutions.
