农业小额贷款市场及效率研究

Exploration on Rural Small-amount Loaning Markets and Their Efficiency

农村金融市场及其效率的研究,应该建立在农村金融市场的发展和农村经济发展的基础上,如果农村金融的经济效应得到了充分的发挥且能以不低于金融市场的平均功效促进经济的发展,应该认为农村金融市场具有良好的效率。反之,不具有良好的效率。本文从农业小额贷款的效率低下现状入手,通过农村金融市场相对效率的分析,提出农业小额贷款效率的提高在于发展竞争性农村金融市场,同时辅助以开发性金融来建设农村金融市场。

Research on rural financial markets and their efficiency should base on the development of rural financial markets and rural economy.If the economic effects of rural finance have been brought into full play and are not lower than the average effect of the financial markets in promoting economic development,then rural financial markets should be deemed as efficient.If not,inefficient.Starting from the inefficient situation of rural financial markets,and based on the analysis of their relative efficiency,this paper argues that the key to improve efficiency of agricultural micro-loans is to develop competitive rural financial markets,along with development financing.