从我国农户对贷款人的选择到农村金融制度创新

From the Peasants' Option of Lender to the Innovation of Rural Finance System

农户融资的理性决定了农户对贷款人的选择行为,也决定了农村金融制度的创新,农村金融制度的选择既要遵循内生规则本身的演化逻辑,又需要代表国家的政府等外部组织在内生规则演进基础上,通过组织、协调完成制度创新过程。针对农户融资需求的多层次、多样化,农村金融制度供给的贷款人应是多元化、多层次的。

The rationality of peasants＇ finance determines their choice of lender and the innovation of rural finance system in China. The adoption of the rural finance system should not only obey the evolution logic of the internal rules, but also rely on the external organizations such as national government, which organizes and adjusts the innovation. Due to the diversification of of peasants＇ demands for finance, the lender in the rural finance system should be multiplex and diversified.