从新制度经济学视角观察中国农贷效率

Efficiency of Agriculture Loan of China:from New Instisutional Economics Perspective

在考察农户行为的基础上,本文以新制度经济学视角研究了农户借贷行为及其效率,认为中国农户依然多是以生存为第一要务的“生存小农”,在其生活圈层之中亲情借贷有效率。国家与农户之间依靠行政科层沟通信息,国家推行农贷的意图通过行政科层会产生变异。扶持“生存小农”发展不可能完全由信贷资金完成。

From the view of new institutional economics, we study the action and efficiency on loan to farmers. The first important affair of most Chinese farmers, we called them ＂Subsistence Small- scaled Peasant＇. The individual kinfolks loan is efficient to ＂Subsistence Small - scaled Peasant＂. There is administration framework between government and peasant, the intentions of government is diversified by administration framework. In fact, the state loan is impossible to ＂Subsistence Small- scaled Peasant＂, so supporting ＂Subsistence Small- scaled Peasant＂ cannot be accomplished by credit.