摘要
本文以A县农信机构为例,采取熵值法和单案例描述性研究方法,根据其各年度支农效率分解发展历程,通过分析其约束形成和破解机制,尝试揭示在各阶段影响其金融支农效率的约束因素。研究表明:根据该机构2004—2018年支农效率测算值,其发展历程可分为4个不同阶段。在约束形成和破解机制中,该机构扮演着稳定器、孵化器、放大器的角色,政府部门扮演着助推器的角色。遵循“农信社—农联社—农商行”的制度变迁路线,在“金融创新—破除约束—形成风险—金融创新”的循环中,该机构信贷供给效率不断提高并发展壮大。
Taking the rural credit institution in A county as an example,this paper adopts the entropy method and the single case descriptive research method to decompose the development process according to its annual agricultural support efficiency,and tries to reveal the constraints that affect the efficiency of financial support at all stages by analyzing its constraint formation and cracking mechanism.The research shows that according to the estimated values of the agricultural support efficiency about the institution from 2004 to 2018,its development process can be divided into four different stages.In the constraint formation and cracking mechanism,the institution plays the role of stabilizer,incubator,and amplifier,and the government acts as a booster.Following the institutional change route of "rural credit cooperative-rural association cooperative-rural commercial bank",the credit supply efficiency of the institution has continuously improved and developed in the cycle of "financial innovation-breaking constraints-forming risks-financial innovation".
作者
顾忠锐
王安国
Gu Zhongrui;Wang Anguo(PBC Lingcheng Branch,Shandong Dezhou 253500;PBC Dezhou Central Sub-branch,Shandong Dezhou 253000)
出处
《金融发展研究》
北大核心
2019年第7期51-57,共7页
Journal Of Financial Development Research
关键词
农户信贷供给
效率
约束
金融创新
内部治理
farmers' credit supply
efficiency
constraints
financial innovation
internal governance
