农村金融市场充足性缺口:实证分析

The Inadequacy in the Rural Financial Market:a Practical and Theoretical Analysis

中国农村金融市场的充足性缺口是农村金融服务供给与有效需求之间的缺口。产生这种充足性缺口的重要原因是高风险、信息不对称和高交易成本。弥合这种缺口,就必须创新金融技术,积累人力资本和信息资本,发展有利于农村金融市场有效运行的物质和制度基础。

There is a huge gap between the potential supply and effective demand of rural financial services. The important reasons for this inadequacy are the high risk, lack of good information and the high cost of transactions. In order to remedy this inadequacy, innovations must be made in financial techniques, good personnel must be brought in and a material and institutional base must be developed that will help ensure the effective operation of the rural financial market.