影响农村金融服务需求的因素分析

Factors that Influence the Demand for Rural Financial Services

农村金融服务需求是农户和农村企业所拥有的初始物质资本及人力资本、投入品及产出品的价格、收入、利率及相关的交易成本、能够作为替代品的金融服务的成本的函数。从表象上看,农村地区的高风险、信息不对称、高交易成本等是引起这些因素变化的重要原因。但从深层次来看,宏观经济的稳定程度、政府的政策偏向以及法律和监管框架的充分程度是引起这些因素变化的根本原因。因此,要扩大农村金融服务的有效需求,政府的合理定位非常重要。

The demand for rural financial services are the function of initial real capital, knowledge capital owned by rural households and companies, the price of input and output, income, interest rate, relative transaction costs and the cost of substitute for financial services. At surface, the main reasons for these factors change are high risk, asymmetric information and high costs in rural area. But from the deep point of view, the vital reasons are the instability degree of macroeeonormies, urban - biased policy and seetoral policy, rigid financial policy and week institutional capacity, insufficient legal system and supervision framework. Hence, it is very important for enlarging the demand for rural financial services to put the government into a proper position.