西部农村金融的供求与均衡——基于双重二元结构约束与一体化金融制度安排

发布时间：2018-01-10 12:12

本文关键词：西部农村金融的供求与均衡——基于双重二元结构约束与一体化金融制度安排　出处：《西安交通大学学报(社会科学版)》2012年01期 　论文类型：期刊论文

【摘要】：长期的赶超战略使中国形成了城乡和东西叠加的双重二元结构与城乡一体化的金融制度安排。模型分析表明,市场存在结构化差异的前提下,允许金融资源自由流动和实行一体化金融制度安排将导致弱小市场金融资源流出和金融供求失衡,2000-2009年西北五省区农村贷款的供求现状也进一步验证了这一结论。因此,现阶段要扩大西部农村金融的供给,实现西部农村金融供求均衡,不仅需要设置金融资源的流出壁垒,还需要采取差别的金融制度安排。
[Abstract]:The long-term strategy of catching up and overtaking makes China form a dual structure of urban and rural areas and a combination of urban and rural areas and the financial system arrangement of urban-rural integration. The model analysis shows that there are structural differences in the market. Allowing the free flow of financial resources and implementing integrated financial institutional arrangements will lead to the outflow of financial resources and the imbalance between financial supply and demand in weak markets. The present situation of rural loan supply and demand in the five provinces of Northwest China from 2000 to 2009 further verifies this conclusion. Therefore, it is necessary to expand the supply of rural finance in western China at this stage and realize the balance between supply and demand of rural finance in western China. It is necessary not only to set up barriers to the outflow of financial resources, but also to adopt different financial institutional arrangements.
【作者单位】：西安交通大学经济与金融学院;
【基金】：国家社会科学基金项目(09BJY098) 西安交通大学创新基金项目
【分类号】：F832.1
【正文快照】： 改革开放以来,尤其是20世纪90年代中期以后,我国金融制度一直是将全国作为一个统一市场安排的,金融体制也统一朝着商业化方向改革,金融产品和金融中介机构的功能趋同化倾向明显,说明此阶段我国在金融制度安排上具有明显的一体化特征。同时,我国幅员辽阔,且经济发展存在差异,

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