城乡二元转型、政府干预与农户融资约束放松  

Transformation of Urban-Rural Dual Structure, Government Intervention and Weakening the Financing Constraints of Farmers

作　　者：许月丽[1] 王飞 刘志媛 XU Yue-li;WANG Fei;LIU Zhi-yuan

机构地区：[1]广东外语外贸大学经贸学院 [2]河北北方学院经济管理学院,张家口075000 [3]河北北方学院理学院

出　　处：《金融论坛》2019年第11期55-66,共12页Finance Forum

基　　金：教育部人文社科规划项目“新兴互联网金融对传统农村金融机构的替代性研究：基本事实、机理与政策含义”（18YJA790093）;国家社科基金重点项目“借贷合约不完备视域下新兴互联网金融对传统农村金融机构的替代性研究”（19AJY017）;浙江省社科规划课题“新兴互联网金融促进浙江农业产业发展的有效边界与运作模式优化研究：农户融资约束视角”（16JDGH107）;浙江省高校人文社会科学重点研究基地浙江理工大学应用经济学基地资金资助（13096052-Y）

摘　　要：本文从长期动态的视角考察政府干预与城乡二元转型如何影响农村金融发展的问题。研究结果表明,二元转型与政府干预都对弱化农户融资约束具有显著作用,但二元转型的作用更强;政府干预的有效性具有对二元转型阶段的敏感性,政府干预须随二元转型阶段变化而适时变化;农户融资约束对于政府干预的政策类型具有很强的敏感性,其中政府介入担保最为有效;农户融资约束对于二元转型所引致的不同机制的反应也不相同,其中,二元转型所引起的农业经营组织形式变化,对于农户融资约束的放松效果最为明显。From the long-term and dynamic perspective,the authors of this paper analyze how the government intervention and the transformation of urban-rural dual structure impact the rural financial development.The results of the paper show that both transformation of dual structure and government intervention could significantly weaken the financing constraints of farmers,and the effect of structure transformation is stronger;the government intervention is sensitive to the transformation phase of the dual structure,and should keep pace with the transformation;the financing constraints of farmers are very sensitive to different types of government intervention policies,with the government guarantee as the most effective relief;the financing constraints of farmers also react differently to the mechanisms caused by the transformation,with changing the organization form of agriculture as the most effective relief of the constraints.

关 键 词：二元转型 政府干预 农村金融发展 金融中介机构 融资约束 组织激励 

分 类 号：O13[理学—数学] G18[理学—基础数学]