农户民间借贷的市场边界  

Market Boundary of Farmers Informal Credit

作　　者：张元红[1] 李静[1] 张军[1] 

机构地区：[1]中国社会科学院农村发展研究所,北京100732

出　　处：《贵州财经学院学报》2012年第6期77-83,共7页Journal of Guizhou College of Finance and Economics

基　　金：中国社会科学院重大课题"中国农村民间金融研究"最终研究报告的一部分;课题主持人为中国社会科学院农村发展所张元红研究员;李人庆和李勤等负责实施了农户样本调查

摘　　要：依据中国8省份1882户农户调查数据,分析农户层面民间借贷的市场边界,研究发现民间金融市场相对封闭、交易半径较小,且主要发生在以血缘关系为主的熟人社会。农户民间借贷存在不对称现象,可能是资金流入农户、农村的一条渠道。民间金融与正规金融存在市场交融和区分,相互之间既有竞争也有互补,应该重视和发挥民间金融的积极作用。Based on the survey data of 1882 farmer households in 8 provinces of China~ this article analyzed market boundary of farmer s informal credit. The results showed that the informal credit market is relatively closed, with smaller radius, and occurs mainly in the blood relationship society. Farmers borrow more than their lending. Maybe it is a channel which inflows funds into farmer households and rural area. The informal and formal financial markets are distinguished and integrated. The relationships of these two markets are both competitive and complementary. We should pay more attention to the informal finance and its role in rural development.

关 键 词：民间借贷 市场边界 封闭 交融 农户 

分 类 号：F832.43[经济管理—金融学]