文章摘要
基于“三位一体”视角的农村 普惠金融体系构建
On Constructing the Rural Inclusively FinancialSystem from the Perspective of “Trinity”
  
DOI:
中文关键词: 农村普惠金融体系  市场  政府  农村社区
英文关键词: rural inclusively financial system  market  government  rural community
基金项目:湖南省软科学研究计划项目(2012ZK5006)
作者单位
谭文培 湖南化工职业技术学院 经济管理系湖南 株洲 412011 
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中文摘要:
      市场、政府与社区为农村金融体系建设的三股力量。农村金融体系成长是市场内生作用力的结果,市场应起基础性作用。但由于农村普惠金融自身的特性,要让每一个贫困人享有平等的金融权利,市场失灵不可避免,必须通过政府的力量强制组建以提高农村金融体系成长的效率。理论上讲,市场失灵可以通过政府政策和法令程序来强制履行合约得到解决,但强制履行合约的高制度成本与高组织成本导致农村普惠金融体系构建中的政府失灵。而农村社区在一定程度上可以弥补市场与政府双层失灵的缺陷。因此,要能较好的为农村贫困和低收入者提供金融产品和服务,必须构建市场、政府、农村社区密切结合,能相互弥补缺陷的“三位一体”的农村普惠金融体系。
英文摘要:
      The growth of the rural financial system results from the market endogenous force, and the market has played a fundamental role in it. However, the nature of rural inclusively financial system itself requires that every person in poverty shall enjoy the equally financial rights, thus market failure is inevitable, and the government has become an important force to improve the efficiency of the rural financial system. In theory, market failure can be resolved by governments policies and compulsory contract; however, the high cost of enforcing contracts and high cost of organizations will lead to government failure, while the rural community can make up for the market and the markets and the governments double failure to some certain extent. Therefore, to better provide financial products and services for rural poor and low-income people, we must construct the rural inclusively financial system of the “Trinity” between the market, the government, and the rural community.
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