中国农村民间金融的制度分析

The institutional analysis of Chinese informal finance in rural

民间金融在发展中国家是一种普遍现象,从制度分析的视角出发,我国农村民间金融作为一种制度安排,是一个诱致性制度变迁过程。相比于农村正规金融而言,农村民间金融在一定地域范围内是有效的并且是激励相容的。农村民间金融作为一种自下而上的变革比之正规金融更贴近农户的生产生活,更符合以农户经济为基础的农村经济发展,因而对中国农村金融制度的变迁有着重要意义。

It is a common phenomenon to informal finance in the developing country. From the institutional angle, our rural finance is a process of induced institutional innovation as institutional arrangement . Comparing with the rural formal finance, it is effective and drive is accommodating in certain territorial scope. The rural informal finance is more closer to the farmer＇s life and production than rural formal finance, and it is more fitting to the rural economic development which foundation is farmer economy, thus it has the vital significance to entire rural finance institutions change in China.