摘要
民间金融在国内外普遍存在,我国农村至今仍然活跃着各种民间金融形式,事实上起到了弥补官方金融缺失的不足。非人格化交换是制度变迁的方向,制度变迁的目的是降低交易费用。为农村经济发展提供金融支持,需要进行路径选择。民间金融产权关系明晰,交易成本低廉,方式多样灵活,是广大农户熟悉的金融方式。将非正式制度的民间金融转化为正式制度,改善监管约束机制,不失为解决农村金融供给缺乏的有效制度安排。
Nongovernmental finance exists at home and abroad. In rural areas of China, there are different kinds of active nongovernmental finances. This is actually a remedy for the shortage of governmental finance. Impersonalized exchange is not the purpose of institutional change, and it doesnt mean developed countries do not necessarily have better financial institutions. It is necessary to choose right path to offer financial support for rural economic development. Most farmers are familiar with the financial ways such as clear relationship of property right of nongovernmental finance, low trade costs, etc. It is an effective way to solve the problem of financial shortage by institutionalizing the informal nonegovernment finance and improving supervision mechanism.
出处
《昆明理工大学学报（社会科学版）》
2006年第1期61-64,共4页
Journal of Kunming University of Science and Technology(Social Sciences)
关键词
民间金融
制度变迁
人格化交换
路径依赖
非正式制度
non - governmental finance
institutional change
personalized exchange
path dependence
informal institution
