农村金融问题研究综述
作者：陈鹏
摘要/Abstract
农村金融问题一直是“三农”问题中的核心议题之一。本文分别对国内外农村金融问题的研究成果进行综述，发现国外有关农村金融理论的研究已相当成熟，这为我国有效解决农村金融问题奠定了理论基础。而对于我国长期存在的农民“贷款难”问题，学术界把研究的重心集中在农村金融供给和农户借贷行为特征上，主要是认为农村金融体制安排不合理所致，从而引起了发展何种形式农村金融模式的争论。
Rural financial problem has been one of the core issues in the “three rural” issue. In this paper, the domestic and international research results about rural financial problem are reviewed. It shows that, foreign research on the theory of rural finance is quite mature, which has laid a theoretical foundation to effectively solve the rural financial problems in China. For our long-standing “difficulty about farmers’ loans” problem, the focus of academic research points to the supply of rural finance and credit behavior characteristics on farmers. They believe that rural financial system is mainly due to unreasonable arrangements, which led to the debate on developing what forms of rural financial model.
