我国农村金融制度的开发性金融支持(DFS)研究——基于微观农户行为的分析

Study on Development Financial Support in China Rural—Analysis Based on Farmer Household Behaviors

农户的经济行为是研究农村金融制度安排的出发点,中国农村金融体系的低效在于对农村微观经济主体农户的经济行为缺乏深刻的理解和认识。中国农户的经济行为具有复杂性,表现为在各种外部约束条件下的经济理性,传统金融制度安排无法有效满足这种复杂的微观金融需求,而开发性金融才是适应中国农村微观基础的并能为农村经济增长提供一种可持续金融支持的有效形式。

The economic behaviors of farmer households consist of the start-point to research the arrangement of China rural financial institution.The inefficiency of rural financial system in China is partly caused by the absence of deep analysis on the behaviors of farmer households,the rural microeconomic units.The economic behaviors of China farmer households are complicated,displayed by economic rationality under external constraints.The traditional financial system cannot meet their complex demands.Development finance,however,would be a feasible financial institution to promote rural sustainable economic development.