农村经济的发展,离不开完善的信贷市场,可我国农村信贷市场的缺乏令人担忧。发展经济学家德布拉吉·瑞(DebrajRay)在其《发展经济学》中论述道:在土地、资本和劳动力这三大生产要素中,信贷市场的缺乏可能会产生这样的结果:土地和劳动力将从那些无法获得信贷的人那里流向可以获得信贷的人,从而加剧农村的不平等。可见,农村融资问题不解决,农村经济的效率与公平目标都无法实现。我们已有一套成熟完善的工商金融体系,为何不能从城市延伸到农村?换言之,农村金融何以会成为问题,以至于我们不得不在已有的金融安排之外,专门考虑针对农村融资难题的金融体系建设?主要有以 The development of rural economy can not be separated from a sound credit market, but the lack of rural credit market in our country is worrying. Debraj Ray, a development economist, in his book “Development Economics,” argued that the lack of a credit market in the three main productive elements of land, capital and labor might yield the result: The workforce will flow from those who can not get credit to those who have access to credit, thereby exacerbating rural inequalities. Can be seen that the issue of rural financing is not resolved, the efficiency of the rural economy and fair objectives can not be achieved. We have a well-established business and financial system, why we can not extend from cities to rural areas? In other words, why rural finance will become a problem so that we have to specifically consider the financial system for rural financing problems Construction is mainly