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农村高利贷衍生的乡镇金融模式

Town Financial Model Derived by Rural Usury
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摘要 通过对高利贷衍生为乡镇金融模式必然性分析,提出了将农村高利贷通过诱致引导为乡镇金融模式的尝试。对高利贷衍生的乡镇金融模式从概念、市场定位及风险控制进行了全面阐述后得出:乡镇金融是一套能够降低交易成本、充分利用信息等优势的制度,其在解决农村经济主体"融资难",支持"三农"方面具有积极正向作用,并且有利于农村金融领域内竞争格局的改变和农村金融市场效率的提升。 As the economic system transition and private economic development,rural usury can no longer meet the needs of rural economic development,Since this paper by analysis of the necessity of the town financial models derived rural usury reaches attempt of the rural financial model by inducing and guiding.After Full-text rural financial model derived the usury from the concept,market positioning and risk control obtains rural finance model is a set of institution that the advantages of reducing transaction costs,making full use of information,its rural economic subjects "financing difficulties,"support" three rural "has an active positive role,and are conducive to changes of rural finance competition pattern and improve the efficiency of rural financial markets.
机构地区 海南大学
出处 《广播电视大学学报(哲学社会科学版)》 2010年第3期8-12,共5页 Journal of Radio & TV University(Philosophy & Social Sciences)
基金 海南省研究生创新课题基金<农村高利贷衍生的乡镇金融模式探究>阶段性成果 项目编号:Hxwsy2009-07
关键词 高利贷 乡镇金融 市场定位 风险控制 Usury Rural finance Concept Market positioning Risk control
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