内生金融缓解农村小微经济主体融资约束的比较优势及制约因素研究  

Research on the Comparative Advantages and Restrictive Factors of Endogenous Finance in Alleviating Financing Constraints of Rural Small and Micro-economic Entities

作　　者：樊英[1] FAN Ying

机构地区：[1]湖南农业大学经济学院

出　　处：《经济论坛》2020年第1期119-123,共5页Economic Forum

基　　金：湖南省社会科学基金项目(15YBA195)。

摘　　要：内生金融在缓解农村小微经济主体融资约束方面具有获取更多局部知识优势、抵押担保替代优势、交易成本优势、自履约优势等,但在法律法规、农村信用文化、金融生态等方面仍存在制约内生金融缓解农村小微经济主体融资约束作用发挥的因素,针对这些制约因素,本文提出了促进内生金融缓解农村小微经济主体融资约束的"三维"框架。Endogenous finance has the advantages of acquiring more local knowledge, substituting mortgage guarantee, transaction cost and self-performance in alleviating financing constraints of rural small and micro-economic entities. However, there are still some factors in laws and regulations, rural credit culture and financial ecology restricting endogenous finance to alleviate the financing constraints of rural small and micro-economic entities.In view of these factors, this paper proposes a "three-dimensional" framework to promote endogenous financial organizations to alleviate the financing constraints of rural small and micro-economic entities.

关 键 词：内生金融 农村小微经济主体 融资约束 比较优势 制约因素 

分 类 号：F323[经济管理—产业经济] F832