我国农村融资困局的法经济学分析

Law and Economics Analysis of China's Rural Financing Dilemma

我国农村融资在博弈结构和博弈规则方面的不均衡,造成了博弈双方信息不对称、合作博弈观念不强以及监督不足等问题。提出了在遵循经济公平、经济安全、适度干预和整体效率原则下,正规金融机构向民营企业和农户贷款时应给予一定的优惠,以完善我国农村政策性金融体系,明确农村民间融资的法律地位,规范农村民间融资组织,建立和完善农村民间融资信用制度,加大农村民间融资的监管机制建设等。

The imbalance of game structure and game rules in China rural financing leads to some problems like the existence of serious information asymmetry,the weakness of cooperative game concept and the lack of effective supervision mechanism.Therefore,it is suggested that under the principles of economic fairness,economic security,moderate intervention and overall efficiency,formal financial institutions should give certain preference to private enterprises and farmers when offering loans to them,so as to perfect our rural policy-related financial system.Meanwhile,it is necessary to declare the lawful position of rural non-governmental financing,normalize the rural non-governmental financing organizations,establish and improve the credit system of rural non-governmental financing and increase the supervision mechanism construction of rural non-governmental financing.