城乡正规金融资本错配与城乡一体化

Urban-Rural Formal Financial Resource Misallocation and Urban-Rural Integration

城乡正规金融资本错配严重制约城乡发展一体化。城乡正规金融资本错配的主要表现为农村正规金融机构信贷资金供给错配、农户从正规金融机构获取贷款较难以及农村金融总体发展水平与城市相比存在较大差异。政府干预、金融机构追求利润最大化以及农户政治经济弱势是导致城乡正规金融资本错配主要原因。而坚持促进农村经济发展的政策导向,加强外部金融监管,加强正规金融机构开展农村业务的引导,大力完善农村金融环境,加强农民组织化建设,完善三权抵押融资等将有助于缓解城乡正规金融资本错配,助推城乡发展一体化。

Urban-rural formal financial resource misallocation seriously hampered the urban-rural integration development, which mainly reflects the credit funds misallocation provided by rural formal financial institutes , difficulty in getting loans for farmers and the big gap between rural and urban financial development. This misallocation results from government intervention , financial institutions pursuing maximum profits and farmers＇political and economic disadvantage. Some measures are put forward to ease the misallocation and promote the urban -rural integration such as insisting on promoting rural economic development policy guidance, strengthening external financial supervision, enhancing the rural business guidance by formal financial institutes, vigorously improving rural financial environment, strengthening farmer organizations＇ construction, andperfecting three-power mortgage financing .