中国农村金融市场资金供求分析.pdfVIP

2009 , 14( 4) : 13714 2 J ournal o f China A g ricultur al U niv ersity 1 2 1 鞠荣华 宗成峰 韩 青 ( 1 , 100 19 3; 2 , 100 19 3) 为深入了解我国农村金融市场资金供求现状, 深化农村金融体系改革, 通过抽样法对农户农村企 农 村金融机构的资金需求和供给进行问卷调查, 使用统计分析方法对调查结果进行描述性分析结果表明: 农村资 金通过农村正规金融机构流出农村, 农户和农村企 存在着规模巨大的资金需求, 而农村信用社等正规金融机构 的资金供给只能满足这些资金需求的一小部分, 巨大的资金缺口需要民间资金供给满足在农村金融市场上应该 放松对金融机构和金融 务的管制, 培育多种所有制形式的农村金融机构, 提高金融效率, 以弥补农村金融市场上 资金供给的缺口 农村资金需求; 农村资金供给; 正规金融机构; 民间金融; 农村信用社 F 830 2 10074 333( 2009) A Analysis of finance supply and demand in rural financial market of China 1 2 1 JURonghua , ZONGChengfeng , ANQing ( 1 College of Economics and Mana gement, China A gricult ural Universit y, Beijing 100 193, China ; 2 College of Humanities and Dev elopment , China Agricultural Univ ers ity , Beijing 100 193, China) Abstract In order to understand the current fina nce situ ation dee ply in rural a re a a nd to pro vide sugg estions f or re fo rm of rural financial sy ste m, the autho rs ma de a sa mple surv ey of fina nce supply a nd dem and to hou seholds, e nterprise and fina ncia l orga nizations in rural a re as of most pro vince s and ana lyzed the surve y result s by use o f the statistica l me tho d The results s how that rural ho useho lds and ente rprises ha ve a g re at dem and for fina nce , how ev er, only sma ll amount s o f this dem and can be fulfille d by the officia l financial o rg aniza tions in co untry side They h ave to see k nono fficial fina nce s be caus e it is difficult for the m to ente r the officia l f inanc ial ma rket The