摘要
本文结合农户理性与非理性行为理论,在调研214家农户的基础上,通过对农村信用社改制进程中农户的存款行为、贷款行为、入股行为和参与行为的分析,认为农户行为是一种有限的理性行为。因此,可以通过明确我国农村金融宏观政策目标、完善我国农村金融制度安排和进一步深化农村信用社改革等措施来促进农户行为的逐步理性化,实现农户个体行为效用最大化和宏观经济资源的合理配置。
Based on the farmers＇ rationality and the non-rational behaviors, we investigate and study 214 farmers. After studying farmers＇ deposit behavior, loan behavior, stock and participation behavior, it is believed that the farmer＇s behavior is a limited rational behavior. Setting up our country rural financial macropolicy goal, perfecting rural financial system and furthering rural credit cooperative can rationalize the farmer＇s behavior and realize individual farmer behavior maximum in effectiveness and macroeconomical resources disposition reasonably.
出处
《财经论丛》
CSSCI
北大核心
2007年第1期64-69,共6页
Collected Essays on Finance and Economics
关键词
信用社改制
农户行为研究
政策建议
rural credit cooperative remanufacture
farmer behavior research
policy suggestion
