农村民间金融组织的制度经济学研究

湖南大学硕士学位论文农村民间金融组织的制度经济学研究姓名：王绍霞申请学位级别：硕士专业：金融学指导教师：陈雪飞20070418IIIAbstractWiththeputtingforwardofreconstructionruralfinancialservicesystemstratagem,ruralinformalfinancialorganizationbecomenewtheoryproblemandun-solvingdifficultyinfinancialinstitutionreform.Nowadays,ruralfinancialsystemwasnotinequilibriumofinstitutionarrangement,andthecontradictionoffinancialresource’ssupplyanddemandmismatchwasoutstanding.Therefore,financialinstitutioninnovationsbecomekeyfactorinreconstructionruralfinancialservicesystem.Differentfromtraditionalresearchoninformalfinance,thewriterputeyesoninformalfinanceorganizationswhichweresweepingandingrayzone.Withoutdoubt,theappearanceofruralinformalfinancialorganizationwasimportantfinancialinnovations.Itnotonlyprovidedpreciouscapitaltoruraleconomy,butalsonewpressureandthinkingforthedevelopmentofnon-governmenteconomyandtheinnovationofcommercialbanks.Intheframeofinstitutioneconomicstheories,suchastransactioncost,propertyrightinstitutionandinstitutionalsupplyanddemand,thewriterexpoundedthereasonofinformalfinancialorganization’sappearancefrominstitutionalsupplyanddemand,whichindicatedthattheappearancewastheresultofcost-incomegambleinexistentconditionoffinancialinstitution.Afterreviewinginstitutionalcauseofformation,thearticleexpoundedinformalfinancialorganization’ssuperiorityandinferiorpositionfrompropertyrightinstitutionalperspectives.Finally,counteringonproblemsinthedevelopmentofinformalfinanceorganization,thearticleorientedthedevelopmentofruralinformalfinancialorganizationandproposedcounteringandpracticalsuggestionsonthefoundationofforeignexperiencesdevelopinginformalfinance.Keywords:Institutionaleconomy;Propertyright;Transactioncost;Propertyrightinstitution;Ruralinformalfinancialorganization2.1....................................................................................112.2………………………..............................142.3................................................................................153.1SW.........................................................................................213.2........................................................................................281.1...........................................73.1....................................................173.210.......................................183.3....................................................................193.4................................................................................203.5.....................................223.62005........................................273.7.................................................285.1............................................................451______2“√”111.1“”“”2020038000GDP6.85%20049500GDP6.96%55045035015%25%20052000020%20051000010000[1]21.260%20011524()4195%[2]2200332.7%65.97%81%76%60%[3]16.760%200511.1%13.2%——20055252004220061180——“”“”“”200731————“”“”“”“”“”“”1.21.2.1“”HansF.Sennholz(1984)(Underground)(Underworld)[4]IsachsenStrom(1980)Schneider(1994)3[5][6]Becker(1968)[7]Becker“”(1973)[8]StiglitzWeiss(1981)[9]Kropp(1989)[10](1)(2)(3)(4)“”HoffStiglitz(1990)[11]WilliamFSteel,etal(1991)[12]AdamsNehman(1979)[13]Aleem(1990)4[14]Bose(1998)“”[15]HoffStiglitz(1997)[16]Bell(1997)“”“”[17]GuptaChaudhuri(1997)[18]1.2.2(2003)Bell“”“”[19](2001)[20](2005)“”[21](2001)5[22](1996)[23](2002)[24](1999)“”[25](2001)“”[26](1999)()[27](2004)[28](2001)Pareto[29](2000)[30](1999)[31](2000)[32](2005)[33](1999)“”6[34](2005)[35](2002)[36](2001)(2006)[37][38](2006)“”[39](2005)[40]——1.31.3.1(1)(2)(3)(4)71.3.2“”(1.1)1.12006(6),p20,(1)(2),(3)1.41.4.181.4.2(1)(2)(3)922.12.1.1[41](1)(2)(3)193710[42]CTCCompanyTransactionCostMTCMarketTransactionCostCTCMTC(2.1)2.1.2[41](1)(2)(3)[43]()11(2.1)2.12.22.2.1(1)(2)(3)2.112(4)(1)(2)(3)(4)2.2.213——(1)(2)(3)(4)142.31973NorthThomas[44](2.2)2.215(2.3)2.3163(1)(2)(3)[45]3.13.1.1197917(3.1)3.1()=119783645.21841382.9208.3514.419804545.62381782.7285.3678.319859016.04463492.2772.32728.4198916992.37885492.72083.28401.8199018667.88335602.92504.39780.3199560793.7235513133.814595.269568.7199671176.6278916263.417659.376777.6199778973.0300217223.420740.389900.6199884402.3315917303.522186.596693.7199989677.1334617663.624882.6108426.1200089214.6363218603.727156.2116150.32001109655.2386919693.629356.3126046.92002120332.7410620623.632385.8140434.52003135822.8441121033.8//2004159878.3492523013.8//2005183084.8543825313.7//20062005(/)200519785019781920021978155273(3.2)183.210/%1986176.738.8091.2096.3480.381990557.683.0796.93153.84403.8419951625.3215.5984.41760.97864.3519962467.6018.7981.211350.681116.9119972526.879.9190.091492.391034.4919982929.857.5592.451496.401433.4419993037.8810.1689.841452.801585.0820002845.3211.5288.481188.771656.5520012918.9414.1485.861240.461678.4820023334.5428.1371.871376.891957.66——19862002102005,p1720041201260%3.1.23.1.2.11919871997(3.3)3.3200020012002200320042005124820119014612911777777753454331262611076726459512826272421195047412016142263725822516243123023042885278327062577243142120062000200524811752.8%263730488.5%20198