农村非正规金融效率:观点、评价及对我国的分析

Efficiency of the Rural Informal Finance:Viewpoint,Evaluation and Analysis

以效率的相对性标准来分析我国农村非正规金融的效率问题。对我国3个层次资金流动的分析表明,作为替代性机制的非正规金融支持了经济增长而有着较之正规金融更高的配置效率,两者的运行效率则难以比较。从政策决策者的角度,改革我国农村正规金融制度、调整对农村非正规金融的政策,使农村经济主体能够在更低的成本下获取资金,可促进农民收入的增加和农村经济的增长。

There are three different viewpoints on whether the rural informal finance is efficient or not.All the three points are discussed referring to the complete competition market.In this paper the efficiency of Chinese rural informal finance referring to the relativity of efficiency was analyzed.It was concluded that the allocative efficiency of rural informal finance was higher than that of formal finance,while the operational efficiency was difficult to be compared.The suggestion was that the government should change the current policy of informal finance in order to increase the rural economic development.