以行政资源和市场资源重塑三层次农村金融服务体系(陆磊)

:2003-03-28:(1970.11-),,,,20036(276)JournalofFinancialResearchNo.6,2003GeneralNo.276(,100800)::,,:,,,;,,;,;,,:;:F830.6:A:1002-7246(2003)06-0106-091978,;,25Bromley(1992),,,25,;,(SolowLucas)(),,,,,,,601,:2002,,;,():25,:,,,80,90,,,,,,1986-1999,80-90,(2001),,,,(),,,,,,,,,,,,(2001),:,;,;,,,701,,,,,,,,,,,,,90,,,,,,,,,,,,,,;,,,,,25,25,,Schultz(1980),,,:,,,():,,,,,,,,,,,,,,,,,801,,,,,,?,,,,,,,,,,,,:,,;,,,,,,,,,,,,,,,,,,,,,2001,,--,,,,,,,--,,,901,,,,,?200,,;,,,,,,,,,,,,,,,,,,:;,,:(),,(),,,,:??,,,,,,,,,,,011,,,,,,;,,,(),;,,,1936,,,:,,,,,,,,,,,,?,,,,,,,,,(2003),:,,;,,;,,,,,,,,,,,,111;,,;,,,,;,,;,,,,,,,,,,,(),,,,;,;,,,1.19941994-1998,19983,,,,,,,,,,,;,,,,,,2.,,211,;,,,,,,,,,,;,,,,()3.,,,,,,,,,:;;,,,,,,,,,,,,,,,,,,311,,,,,,,,,:,,,,,[1],2001,,2001[2],2000,:1986-1999,[3],2002,Abstract:Thispaperanalyzestwotheoreticalissuesofruralfinance,propertyrightandresourceal2location,toshowthefinancialagentrestructuringinvariousruralfinancialstagesandthecostshar2ingmechanism.Majorconclusionsarefollowing.First,controlrightendowmenttoruralhouseholdsisthepreconditionforruralfinancialinstitutionsgovernancestructurereform.Second,theborderbetweenpublicgoodsandprivategoodsshouldbeclearlydefined.Third,governmentinputmaypushtheruralregionstobreaktheconstraintsofresourceendowmentandcomparativedisadvantage.Finally,optimalrisksharingmechanismisputforwardthroughthecomparisononthreefeasibleso2lutions.Keywords:ruralfinance,financialrestructing(:)(:GH)411