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| 农户借贷供给主体的行为机制分析 |
| Operational Mechanism of Rural Credit Lenders and Borrowers |
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| DOI： |
| 中文关键词: 正规借贷 非正规借贷 行为机制 互补关系 |
| 英文关键词: Formal lender Info rmal lender Operational mechanism Complementarities |
| 基金项目:国家教委回国人员科研基金项目——— 交易成本对农户借贷的影响 |
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| 中文摘要: |
| 农户借贷需求的满足是由正规金融和非正规金融共同完成的, 在当前农村农户借贷市场上, 非正规金
融的作用尤为重要。文章通过对正规金融和非正规金融这两大供给主体运行机制的分析, 试图对农户借贷市场的
现状予以合理的经济学解释, 并指出:正规金融市场和非正规金融市场在农户借贷市场上的作用各有千秋, 呈现一
定的互补性。二者的共同作用以满足农户借贷需求是唯一的现实选择。 |
| 英文摘要: |
| The borrow ing demand of rural farm households is satisfied by the formal institutio n and informal lender , and info rmal
lender is more impor tant currently .This paper tries to give the eco nomic ex plana tio n fo r the current farmer bo rrowing market by analy
zing the o perational mechanism of the formal and informal lenders.I t indicates that complementarities exist between formal and informal
lenders which play a different role in the market .This is the only choice that combination of formal and info rmal lender to
serve the farmer households. |
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