我国农村金融市场均衡分析——基于新制度经济学的视角

农村金融市场尤其是信贷供需市场,对于农村经济发展具有特殊意义,其均衡水平和运行效率倍受政府和学者的关注。本文总结中国农村金融市场微观参与主体的特点,并给出需求曲线和供给曲线的形状,在此基础上,立足于新制度经济学交易费用理论和制度变迁理论,分析交易成本和制度变迁对供给曲线的影响,进而认为政府的制度安排落脚点在于降低交易成本和刺激供给。

The Equilibrium Analysis of the Rural Financial Market in China:From the Perspective of New Institutional Economics

Due to the special significance of rural economic development,the equilibrium level and the operation efficiency of rural financial market especially the credit market have drawn the interests of the government and scholars.This article summarizes the characteristics of Chinese rural financial market micro part,and gives the demand and supply curves.Grounded on the summing-up,the new institutional economics transaction cost theory and institutional change theory,the present study analyzes the impact of the transaction cost and institutional changes on supply curves,and points out that the goal of government’s system arrangement is to reduce transaction cost and to stimulate supply.