中国农村非正规金融运行绩效的分析.pdfVIP

，，一．当奎查：曼圭!!!!量蚤．!!：!!!!!， 摘要 本文主要研究中国农村非正规金融的运行机制及其绩效。近年来．曾经存续过 几千年的非正规金融活动又开始在我国广大的农村地区活跃起来，特别是在一些沿 海发达省市十分活跃，一些地区非正规金融市场规模甚至超过了正规金融的规模。 这一现象引起了我们的广泛关注。 本文从农村非正规金融的形成根源，运行特征等方面入手，分别从交易机制、 信息机制、担保机铝4和激励机制四个方面对非正规金融独特而有效的运作机制进行 了分析，在对山东省农村地区非正规金融活动的调查研究的基础上，对我国农村非 正规金融的运行绩效进行了详细的实证研究，又进一步在对非正规金融的演变过程 进行国际比较的基础上，提出了现阶段发展我国农村非正规金融的对策建议。全文 分为五部分． 第一部分导论给出了非正规金融的理论界定、中国非正规金融的主要组织形 式，作为全文研究的出发点． 第二部分中国农村非正规金融的发展现状。对农村非正规金融的形成根源和运 行特征进行了系统的分析研究。研究表明，当前中国农村非正规金融变迁是一种。需 求尾随”型的金融发展模式和典型的诱致性制度变迁过程：从运行层面上看，非正 ．，，，，：，，，!!!，尘銮銮兰翌主兰竺笙兰 ABSTRACT This paper studies the operational mechanism and effectiveness of China’S rural informal finance．In the past years，the informal financial activities which had existed for ttlousands of years flourished again in most rural 91-eas of China。especially in some developed coastal regions where the informal financial activities are quite popular and in some paItS the inforlnal finance even overruns the formal finance．111is phenomenon has greatly attracted ourattention． Based on the forming system and operational characteristics of ruraI informaI finance，we analyze the operationaI system of informal finance from the aspects of information mechanism，transaction mechanism and sponsorship mechanism of the ．mforillal finance；and on the basis of research on informal financial activities in the ruraI areas of Shandong province and study from the development and policy direction of informal finance in many foreign countries and regions，this dissertation puts forward the policy suggestions of the development of China’S rural informal finance．This paper is composed of5 parts． Part l：Introduction．This part is the basis of the whole paper。which includes some concepts about informal finance and the main organizational form of Chinn’s informal finance． Part 2：The current development of China’S rUral informal finance．This part gives a systematical research 011 the forming s37stem and operational characteristics of rural informal finance．11他research points out t