中国农村金融供给创新的路径选择:基于土地流转视角  

China' s Rural Financial Supply Innovative Path:A Study Based on the Land Transformation

作　　者：史跃峰[1] 赵黎明[1] 

机构地区：[1]天津大学管理学院,天津300072

出　　处：《中央财经大学学报》2010年第11期27-32,共6页Journal of Central University of Finance & Economics

摘　　要：农村经济的发展,离不开农村金融的推动和支持。本文利用信息经济学理论对中国农村金融市场供给现状进行了分析,得出我国农村金融供给不足的关键因素是信息不对称。接下来对我国农村金融缺口的内生性进行了分析。最后从农村金融供给创新角度提出了解决农村金融市场信息不对称的政策建议:推进城镇化进程;创新农地产权制度;创新农地流转制度,逐步增加土地流转抵押贷款范围;设立联合抵押品。The development of rural economy cannot be separated from the promotion and support of rural finance.The paper uses the related theory of information economics,and analyses the status of credit supply and demand,and finally concludes that the key figure to releasing the needs of the rural financial market is to solve the information asymmetry.The article next analyzes rural finance gap and endogenous gap resource of rural economy in China.Finally,the paper gives some policy recommendations from the perspective of rural financial supply innovation ：advance the process of urbanization;innovate the system of land property rights and agricultural land,progressively increasing the land mortgage range;establish a joint security.

关 键 词：信息经济学 金融供给 逆向选择 土地流转 

分 类 号：F830.6[经济管理—金融学]