农村金融供给模式的节点及缺陷  

Nodal point and defect analysis of rural finance supply model

作　　者：郗修方[1] 那洪生[2] 刘永成 董雪梅[1] 赵文君[1] 

机构地区：[1]哈尔滨金融高等专科学校投资保险系,黑龙江哈尔滨150030 [2]中国人民银行哈尔滨中心支行,黑龙江哈尔滨150030 [3]黑龙江省农村信用合作社,黑龙江哈尔滨150030

出　　处：《科技与管理》2009年第4期107-110,114,共5页Science-Technology and Management

基　　金：黑龙江省教育厅高职高专院校人文社会科学研究项目(11525053)

摘　　要：采取理论分析和实证对比的方法,从新的视觉界定农村金融供给的理论内涵,对两种模式实践中失衡的节点及平衡的节点进行了分析。结果表明,以信贷为主导的农村金融供给模式带有浓厚的政府色彩,是在政府控制和干预之下的低水平的平衡模式;而过度依赖和放纵以市场为主导的农村金融供给模式,同样会由于传统经济惯性思维的影响和缺乏现代市场发展的历史积淀以及市场垄断、非对称信息、商品的外部性等导致市场失灵。In order to explore rural finance supply model with practical significance,this paper adopts theoretical analysis and empirical comparison,and defines the perspective and analyses the two model＇s imbalance theoretical implication of rural finance supply from a new and balance nodal point. The result indicates rural finance supply model of credit-leading allocation bears profound government colours, which is a low-level balance model under the control of government and government intervention;while rural finance supply model with too much reliance and ce of market-leading,also can cause market to fail due to traditional economy inertial concept influence,lack of modern market development＇s historical accumulates,market monopoly,imsymmetrical information and commodity externality, etc.

关 键 词：农村金融供给 信贷配给 金融市场化 制度缺陷 供给引导 

分 类 号：F823.7[经济管理—财政学]