摘要
理解正规金融与非正规金融二者关系是制定金融政策的关键。本文基于江苏省1202户农户调查数据,实证检验了农户借贷情况下农村金融正规供给与农村非正规金融供给之间的关系,进一步基于农户异质性视角,分析了不同收入水平下农户借贷正规金融与非正规金融二者之间的关系。研究发现:对于中、低收入农户来说,非正规金融借款占据主导地位,存在对正规金融借贷的替代关系;对于高收入农户来说,正规金融借贷与非正规金融借贷之间存在互补关系。
Understanding the relationship between formal finance and informal finance is the key to make correct financial policy.Based on the data of 1202 households in Jiangsu P rovince,this paper validated the relationship between rural formal credit supply and rural informal credit supply under the condition of farmers'borrowing.Based on the view of farmers'heterogeneity,this paper analyzed the relationship between formal financial lending and informal financial lending in the case of farmers'borrowing at different income levels.The study found that:for low-income farmers,informal financial borrowing dominates,and there is an alternative relationship to formal financial lending;for high-income farmers,there is a complement between formal financial lending and informal financial lending relationship.
出处
《南京农业大学学报(社会科学版)》
CSSCI
北大核心
2017年第6期110-119,共10页
Journal of Nanjing Agricultural University(Social Sciences Edition)
基金
教育部人文社会科学基金一般项目"匹配经济学视角下农村正规金融与非正规金融的相互关系研究"(15YJC790054)
国家博士后科学基金项目"农村商业银行股权结构
信贷行为与社会绩效研究"(2017M611787)
国家自然科学基金青年项目"农村信贷资金流动:基于县域银行分支机构的视角"(71403116)