互联网金融对农村二元金融选择的影响——基于农户期望收益模型的研究

Impact of Internet Finance on Rural Financial Dualism:Based on Expected Returns Model of Rural Households

在农村金融体系中,普遍存在着正规金融和非正规金融并存的现象,即"农村二元金融结构"。正规金融和非正规金融在特征、所占比重、对经济增长的贡献及运行机制方面具有显著差异。农村互联网金融的迅猛发展势必对农村二元金融结构产生影响。通过构建农户期望收益模型,分析不同市场结构下农户的信贷决策行为,结果表明农户选择何种贷款渠道与该贷款渠道的贷款利率和成本有关。最后提出了完善农村金融改革的政策建议。

Formal and informal finance coexist in rural financial system, that is financial dualism. Formaland informal finance respectively has different features,importance,contribution and operation mechanism. Ruralinternet finance has rapid development and must impact on rural financial dualism.Then,constructs expectedreturns model of rural households and analyzes households＇ choice of credit decision under different financialmarket,results suggest that the choice of credit channels depends on credit rate and cost.At last,puts forwardsome policy recommendations for promoting rural financial reform.