金融制度缺陷:我国农村金融效率低下的根源

Underlying Reason for Low Efficiency of Rural Finance in China: Defects in Financial Institution

本文通过统计数据对我国农村金融资源配置效率的分析表明,我国农村金融资源配置效率相对低下。造成农村金融资源配置效率低下的原因,是现阶段农村金融制度的有效供给不足,导致了金融资源配置无法满足帕累托条件。因此,提高农村金融资源配置效率的关键,在于农村金融制度的创新和有效供给。

Based on relevant statistical data, the paper analyzes the allocation efficiency of Chinese rural financial resources. The result indicates the efficiency is low. Further studies reveal that the inefficiency results from the inadequate supply of Chinese rural financial institution, which leads that the Pareto conditions can＇ t be met. So, the paper points out the key to improve the allocation efficiency of the rural financial resources is the innovation of rural financial institution.