以社区管理为基础的农村非正规金融作用分析——基于宁夏盐池县Z村的调查

The Analysis of the Role of Rural Informal Finance in China Based on Community Management——A Case Study of Z Village,Yanchi County,Ningxia Province

在界定以社区管理为基础的农村非正规金融这一概念的基础上,探讨社区层次中这一金融形式所发挥的作用;研究方法主要是通过问卷调查和访谈获取信息,对2006-2009四年间Z村的农户贷款笔数和额度变化进行定量和定性分析;通过分析发现,Z村中农户对非正规金融的依赖高于正规金融,以社区管理为基础的农村非正规金融在Z村发展迅速,并已取代私人借贷成为了非正规金融中的主导力量。这从微观层次验证了以社区管理为基础的农村非正规金融的发展潜力,是我国农村金融改革中应注重发展的农村金融供给主体。

This paper firstly defines community-management-based informal finance in rural areas and then explores the role of rural informal finance at the community level.Through questionnaires and interviews,this paper analyzes the quantitative and qualitative changes of the number and amounts of loans in Z village from 2006 to 2009.It is found that in Z village farmers rely more on informal than on formal finance;community-management-based informal finance in rural areas has developed rapidly in Z village,and it has replaced private loans and become the leading pattern of informal finance.At the micro-level,community-management-based informal finance in rural areas shows its development potential in China's rural financial reform and should be the main supplier in rural finance.