农村金融资源配置效率的伦理思考

A Ethnic View of Efficiency in Rural Financial Resources Distribution

农村金融资源配置效率可以从农村金融资源的供给充足率、需求的满足度、供需的平衡度进行考量。我国农村金融资源配置效率不高的原因主要是在这个市场上出现了农民的伦理博弈、制度的伦理排斥、机构的道德逆选择等一系列伦理问题,严重影响了农村金融市场效率的提高。因此,应该以诚信为核心,引导农民市场行为"伦理化";以平等为依据,进一步落实农村金融制度"规范化";以公平为准绳,保证农村金融机构的信贷目标"公正化",从根本上解决农村金融市场低效问题,创建一个公平、互信、充满活力的农村金融市场。

The efficiency of rural financial resources can be judged from the supply sufficiency of rural financial resource, satisfied degree of need, the balance of the supply and demand. The inefficiency of rural financial re- sources distribution in china is resulted from serial ethinic problems such as the ethnic game of rural farmers, the ethnic exclusion of functioning system and the adverse ethnic selection of financial institutionsl Therefore, we should strengthen the principle of good faith, promote the ethicalization of farmer~ behavior and further standardiza- tion of rural financial system, stick on equity and justice with a view to achieve fairness in credit expectation of fi- nancial institutions, to overcome the inefficiency of rural financial market rural and thus to built up a rural financial market full of fairness, mutual trust and vitality.