农业小额贷款市场及效率研究

Agricultural Microfinance Market and Efficiency Research

农村信贷机构资金供给小于需求,而且资源有效配置是影响农村金融市场的效率的主要因素.本文通过对农村金融市场效率进行分析,得出农村小额信贷市场的效率偏低,并指出提高农业小额市场效率应该从开发性金融入手,发展竞争性农村金融市场,完善农村金融的制度体系,使农村金融效应得以充分发挥.

The supply of funds in rural credit institutions is less than demand, and the effective allocation of resources is the main factor affecting the efficiency of rural financial markets. This paper analyzes the efficiency of rural financial markets and finds that the efficiency of rural microfinance market is low, and points out that the efficiency of agricultural micro-market should start with open finance, developing competitive rural financial market, improving the institutional system of rural finance, to make rural financial effects fully exerted.