【作者】 柳沙玲；

【导师】 龙海明；

【作者基本信息】 湖南大学 ， 金融学， 2008， 硕士

【摘要】 在扩大内需的过程中,发展农村消费信贷成为农村消费结构升级的迫切需要。消费信贷需求是一种引致需求,首先必须要有对消费的需求。农村消费包括生产性消费和生活消费。农村居民对生产资料消费和生活资料消费的支出为实现不同的目的,因此,对二者的消费信贷需求遵循不同的决策机制。新农村建设对农村居民生活性消费的促进作用主要通过三个途径实现。从各要素对省际农业产出差异的贡献可以看出,我国目前大多数地区农业生产为劳动力丰裕型。正规金融机构需根据当地的生产条件,为符合当地生产需求的农业生产资料提供信贷支持。一个运作良好的金融体系,是发展农村消费信贷的重要前提条件。为了满足合法性的要求和充分利用农村现有金融资源,短期内农村传统正规金融机构仍须充当农村消费信贷供给的主力军。农村消费信贷的盈利性是农村正规金融机构供给农村消费信贷的前提条件。农村正规金融机构运行消费信贷的成本源于自身的机构制度设计特征以及机构与农村信贷环境的适应程度。由于正规金融与非正规金融的合作有助于解决双方的可持续发展问题,正规金融与非正规金融的合作成为发展中国家近年来农村信贷市场的新特征。我国农村消费信贷市场还存在明显的传统农业信贷模式特征,这一特征使得传统正规金融与非正规金融或新型金融的合作成为实现农村消费信贷有效供给的可行途径。更多还原

【Abstract】 During the process of enlarging domestic demands, the development of rural consumption credit has become an urgent demand of rural consumption escalating.The demand for consumption credit is a kind of induced demand; firstly there should be the demand for consumption. Rural consumption consists of productive consumption and household consumption. The expenditures of rural residents on productive consumption and household consumption are for different purpose, so the demand of consumption credit for these two parts observes different decision mechanisms. New rural construction will promote the household consumption of rural residents through 3 different conduits. From the contribution of production factors to the difference of inter-provincial agricultural output, we know that so far most regions of our country are dominated by labor-intensive agriculture. Formal financial institutions should adapt its credit support for agricultural productive materials to the need of local production, in accordance with local production condition.A well functioned financial system is important precondition for the development of rural consumption credit. In order to satisfy the legitimacy and make full use of existing financial resources, it is still necessary for the traditional formal financial institutions to play a main role in the provision of rural consumption credit. The profitability of rural consumption credit is precondition for traditional formal financial institutions to provide rural consumption credit. The cost of providing rural consumption credit due to the features of the institutional design of the financial institution and the extend to which it can adapt to the rural credit environment. Because the cooperation between formal and informal financial institutions may do well to both parties’ problem of sustainability, in resent years the cooperation between formal and informal financial institutions has become a new feature of rural credit market in developing countries. China’s rural consumption credit market is still characterized by the features of traditional rural credit model, which makes the cooperation between traditional formal and informal or newly-created financial institutions become an operable way in the effective provision of consumption credit.更多还原