期刊论文

中文

财经科学

1000-8306

2018

11

3-14

国家社科基金项目“基于农村金融增量改革的农户融资约束缓解研究”(13BJY097).

本校为第一机构

政府是农村普惠金融发展的重要参与者,然而促进供给、自上而下的普惠金融发展路径,与从农户需求出发的农村金融消费者权益保护要求存在不一致之处.文章基于阿罗不可能性定理、政府行为逻辑的分析,利用中央政府与地方政府之间的委托代理模型,对普惠金融发展中政府行为如何影响农村金融消费者权益保护进行分析.研究发现,政府的供给方立场、追求财政收益的行为逻辑以及多目标下中央政府对地方政府较弱的渗透性权力,使得农村普惠金融的政策安排和政策执行中存在金融消费者权益保护不到位的问题.因此,本文认为明确政府职能范围、加强农村金融基础设施建设、完善金融监管制度以及引导农村普惠金融走自...

Our government is an important participant of rural financial inclusion.However,the supply-promoting and top-down path of financial inclusion is inconsistent with the requirements of rural financial consumer protection that is in terms of farmer demand.Based on Arrow's impossibility theorem,the analysis on logic of government behavior and the principal-agent model between central government and local government,the paper analyzes how the government behavior influences the protection of the fights and interests of rural financial consumers in the development of financial inclusion.It is showed ...