非正规金融影响下浙江农村金融发展实证研究

An Empirical Analysis of Zhejiang Rural Financial Development in the Influence of Informal Financing

随着我国城镇化水平的不断提高,农村金融从自发发展、外部引导,进一步转变为对深化改革的内在需求。浙江作为沿海开放和经济发展较领先的省份,由市场化改革而催生的非正规金融发展一直是其农村金融发展的特色和优势,并构成引发不稳定因素的某种金融成分。文章实证检验和分析了浙江农村金融发展与其功能表现(资本形成与经济增长)间的均衡互动关系,为规范农村各类金融成分的健康发展提出了对策建议。

With the development of China＇s urbanization, Chinese rural finance also had the intrinsic requirement for further reform, rather than the spontaneous development or by external guide. As the leading province in opening and reforming progress, Zhejiang＇s informal financial development had turned to be the financial characteristics, advantages and the component of financial instability for rural financial development. This paper giving the empirical analysis of the equilibrium relationship between Zhejiang rural financial development and its functional performance （capital formation and economic growth）, and put forward the policy implications and suggestions for the rural financial developments.