本文選題：農(nóng)村信貸配給　切入點：制度因子　出處：《財經(jīng)理論與實踐》2012年05期 　論文類型：期刊論文

【摘要】：信貸配給是制約我國農(nóng)村信貸市場建設(shè)的重要因素,也阻礙了農(nóng)村金融環(huán)境優(yōu)化、影響了農(nóng)村經(jīng)濟的良性發(fā)展。通過引入制度因子,量化信貸配給,構(gòu)建了信貸配給宏觀計量模型,對我國農(nóng)村信貸配給狀況進行實證檢驗,結(jié)果證明,利率和制度因子是造成我國農(nóng)村信貸配給的兩大因子。應(yīng)合理調(diào)控利率、推進深化改革、加大三農(nóng)扶持力度,實現(xiàn)農(nóng)村經(jīng)濟社會的和諧發(fā)展。
[Abstract]:Credit rationing is an important factor restricting the construction of rural credit market in China. It also hinders the optimization of rural financial environment and affects the benign development of rural economy. The macro-econometric model of credit rationing is constructed, and the empirical test on the situation of rural credit rationing in China is carried out. The results show that the interest rate and institutional factor are the two major factors that cause the rural credit rationing in China, and the interest rate should be controlled reasonably and the reform should be deepened. Increase support for agriculture, rural areas, and realize the harmonious development of rural economy and society.
【作者單位】： 湖南大學(xué)金融與統(tǒng)計學(xué)院;
【基金】：國家社科基金(09BJY104)
【分類號】：F832.43;F224
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本文編號：1559410