农村非正规金融契约实施问题研究

Analysis on the Contract Implementation of Rural Informal Finance

农村非正规金融的存在很大程度上是农村经济主体为应对信息、成本和风险等农村金融市场固有顽疾而进行的自发制度创新,本文通过构建一个简单的借贷行为模型,分析了农村非正规金融的合约实施问题,并在此基础上提出规范农村非正规金融发展,提高农村非正规金融效率的的政策建议。

Rural informal finance is institutional innovation of rural economic subject who resolve the problem of information, cost and crisis in rurai financinal market. By a credit contract model, this paper analyzes the problem of contract implementation of informal finance. On the basis of that, it gives some advices on how to improve efficiency of rural informal finance in our country.