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农村地区金融机构数量的缩减和金融资本的大量非农化是中国经济转轨过程中典型的金融空洞化。本文建立了一个信贷合约交易模型,对该模型的分析表明,农村金融空洞化的成因在于金融机构和金融资本赖以存在的金融交易不足。因而,破解农村金融空洞化的有效措施应从提高农村资金积累和改善农村金融交易条件入手。
The reduction of the number of financial institutions in rural areas and the massive non-agriculturalization of financial capital are typical financial hollows in China’s economic transition. This paper establishes a credit contract transaction model. The analysis of this model shows that the cause of rural financial hollowness is the lack of financial transactions in which financial institutions and financial capital depend. Therefore, cracking down the hollowing out of rural finance should take effective measures to improve the rural financial accumulation and improve the conditions of rural financial transactions.