小农命题在农户融资中的应用及其引申  

An Application and Extension of Smallholder Proposition in Household Financing

作　　者：邵传林[1] 邵姝静 

机构地区：[1]兰州商学院金融学院,兰州730020

出　　处：《首都经济贸易大学学报》2015年第3期31-36,共6页Journal of Capital University of Economics and Business

基　　金：甘肃省高等学校科研项目"甘肃临夏少数民族地区非正规金融的生成逻辑;治理机制及其风险防范研究"(2013A-073)

摘　　要：对农户行为性质的界定是研究农村金融问题的微观基础,也是有效实施金融反贫困战略的重要依据。基于小农命题引发的理论辨识,可对农村金融市场上农户"异常"借贷行为做出逻辑一致的解释,进而为权力当局监管农村金融市场提供线索。小农命题对破解中国农户融资难困境具有重要启示:在设计农村金融制度时,既要加大对生存小农的政策性金融支持,也要充分调动富裕农户的闲散资金组建合作金融组织,并借助差异化政策引导社会富余资金进入西部农村地区,各级政府也要加大对欠发达地区提供金融公共品的力度。The definition of the nature of peasants＇behavior is a micro-foundation for the research on rural fi-nance issues,and is also an important basis for the effective implementation of financial anti-poverty strategy.Based on theoretical identification from the smallholder proposition,a logically consistent explanation on abnormal credit behaviors of peasants could be made,which provides a clue for rural financial markets of supervision.The smallhold-er proposition provides some enlightment on solving the households＇financing problem.It is necessary to increase the policy-oriented financial support to poor peasants,fully mobilize idle funds of the wealthy peasants to construct cooperative financial organizations,guide social surplus capital into the western rural areas with differentiated poli-cy,and increase financial public goods for less developed areas for all levels of government,when designing the rural financial system.

关 键 词：小农命题 农户借贷 异质性 制度设计 

分 类 号：F830.58[经济管理—金融学]