农村内、外生金融之比较——基于满足中国农户融资需求的分析

A Comparison over Internal and External Finance of the Country——an Analysis Based on the Satisfaction of Country Financial Demand in China

中国农户的特征决定了农户的融资需求。农户的借贷行为主要有两种途径:其一是通过农村的外生金融机构,其二是依赖于农村中的内生金融组织。通过对农户贷款的来源、金融机构贷款的成本和风险等方面对外生金融机构和内生金融组织进行对比分析,得出内生金融组织对农户提供贷款及其贷款的成本和风险防范等方面具有比较优势,能更好的满足农户的融资需求。因此,对农村内生金融不应采取压制的金融政策而应采取约束的金融政策。

The characteristic of countrymen in China decides the country＇s financial demand. There are mainly 2 kinds of lending and borrowing activities of countryman： though external financial institutions and depend on internal financial organizations in the country. A comparative study on the source of countryman loan, cost and risk of financial institution lending, and internal and external financial organization, shows that internal financial organization has a comparatively advantage over providing loan to the countryman and preventing lending risk, which can fulfill the need of the countryman. Therefore, a constraining financial policy should be adopted instead of a suppress one.