论农村内生金融存在的合理性

农村内生金融是我国农村金融体系的重要组成部分,是农村经济发展的重要资金供给渠道,在农户贷款的来源、金融机构贷款的成本和风险等方面相对于外生金融机构具有明显的比较优势。这种通过诱致性变迁自下而上内生出的农村金融方式能够较好地满足农户的金融需求,促进农村经济的发展。然而,长期以来农村内生金融组织得不到应有的重视,处在一个受排挤、受压制的地位,甚至一度被国家取缔。金融理论的发展,我国农村的特殊性,以及农村的金融供给约束等是农村内生金融合理存在的理论及现实理由。国家应在法律上为内生金融组织"正名",引导其商业化运作,加大对其政策扶持力度,控制其规模,保持其独立性,以促进农村内生金融更好发展。

The Brief Analysis in the Rationality of Countryside Endogenous Finance Existence

The rural endogenous finance is the important component of our country rural finance system and is the important fund supplies channel in rural economic development.They have the comparison superiorits in loans supplies,loans cost,risk and so on with the exogenous financial organs.The rural finance way that is from bottom to top through vicissitude can be able to satisfy the household's financial demand,and promote the rural economy development.However,the countryside endogenous finance organization cannot be taken into proper account since long,and occupy a pushed and suppressed status,and even once was banned by the authoritity.This article has analyzed the rationality which the countryside endogenous finance organization exists,pointed out the financial theory's development,our countryside's particularity,as well as the countryside financial supplies restraint and so on is the reasonable and realistic reason of the countryside endogenous finance's existence.And it maintains to carryout measures such as rectifying names for the endogenous financial organization in the law,guiding its commercialization operation,enlarging the protecting and sustaining dynamics to its policy,controlling its scale and maintaining its independence and so on to promote its better development