农户的融资次序与农村民间金融的发展

Financing Order and Development in the Rural Financial Market

农村民间金融组织在农村金融市场中一直扮演着十分重要的角色。本文认为农村民间金融组织发展的内在因素是源于农户独特的融资次序,从而决定农村民间金融与正规金融竞争中具有天然的优势和特有的负面效应,导致民间金融面临着未来发展路径的艰难选择。

The non-institutional financial sectors have played a very important role in rural financial market. The inner factor of the development of the non-institutional financial sectors is farmers＇ unique financial order, which makes non-institutional financial sectors have particular advantage and disadvantage compared to institutional financial sectors.