我国农村正规金融信贷效力考量

Experimental Evaluation on the Credit Efficacy of Rural Formal Finance in China

农村正规金融信贷效力的高低直接决定农村金融体系的运行效率,并对农村经济社会的发展发挥极为重要的作用。本文从两个角度完成对农村正规金融信贷效力的考量:一是统计与调查的角度,二是协整分析的角度。研究表明,我国农村正规金融信贷现状不能满足农村经济主体的融资需求,农村正规金融信贷与农村金融系统及农村经济发展之间均不存在长期稳定的协整关系,其市场效力难以令人满意。

The credit efficacy of rural formal finance directly determines operation efficiency of rural financial system,which is vital important to the development of the rural economy.This paper completed the test of the credit efficiency of rural formal finance from two angles：one is the investigation and statistics,the second is the coordinate integration.All the results show that：current situation can not satisfy financing need on the main body of rural economy and the long-term stability of the coordinate integration did not exist between rural formal financial credit,rural financial system and economic development.It means that the effect of rural formal finance turns out to be quite unsatisfactory.