乡村发展过程中的金融支持研究
|
摘要
乡村发展是任何一个国家在现代化过程中都无可回避的问题。就目前而言,推动乡村发展是解决“三农”问题,推进社会主义新农村建设的关键。近年来,国家提出更加关注农村,关心农民,支持农业,把“三农”问题作为全党工作的重中之重,从2004年至2009年连续六年发布以“三农”(农业、农村、农民)为主题的中央一号文件。党的十六届五中全会更是通过了《中共中央关于制定国民经济和社会发展第十一个五年规划的建议》,并明确了今后五年我国经济社会发展的奋斗目标和行动纲领,提出了建设社会主义新农村的重大历史任务,为做好当前和今后一个时期的“三农”工作指明了方向。然而,要实现乡村全面可持续发展关键问题在于加强、加大对乡村金融的支持力度,建立完善的乡村金融支持体系。
目前,我国农业和乡村发展的中心任务是推进乡村经济结构的战略性调整,而不管是通过城镇化转移乡村剩余劳动力,还是通过农业产业化调整乡村生产结构,都需要有大量资金的积累和再投入,均离不开乡村金融的支持。但是从目前的情况来看,国内社会资金的大部分均流向比较效益高的非农部门,而乡村本已紧缺的资金也通过各种渠道外流,使得乡村经济发展受到严重制约。缺乏合适有效的金融机构为乡村和农民提供金融服务,无法满足乡村经济主体的融资需求构成了当前乡村经济发展的困境,也是造成农民收入增长缓慢的主要原因之一。与此同时乡村金融机构的经营行为仍然受到多方面的限制,所有这些在乡村经济发展中的金融总量、结构、制度等方面的矛盾急需我们进行深入的研究。十七届三中全会也给我们乡村金融制度的改革提出了更高要求。虽然经过多年的改革与发展,我国初步形成了多层次、广覆盖的乡村金融支持体系。但是从总体上来看,我国乡村经济发展中的金融支持度不高,其突出表现在乡村金融市场的供求失衡,会融服务难以满足“三农”发展的需要,存在严重的金融抑制现象。
针对这些问题,本文分八部分内容对乡村发展过程中的金融支持问题进行了系统研究,探索构建多层次、广覆盖、可持续发展的普惠型乡村金融支持体系,以期为我国乡村金融的发展起到一定的推动作用。
第一部分,理论基础。本部分内容对乡村发展进行了分析界定,对乡村发展的特点、内容以及新农村建设等问题进行了阐述；同时对金融发展和经济增长的相关理论、乡村金融理论进行了回顾和分析,奠定本文的理论基础。
第二部分,乡村金融需求与供给。本部分内容是第一部分理论基础的延续,从需求和供给两个方面分析乡村金融主体行为与特征。
第三部分,我国乡村金融发展的历史沿革与概况。首先沿着历史脉络对我国乡村金融发展进行了梳理,在此基础上,从金融服务、金融市场发展与创新、金融制度与政策、金融发展障碍等方面对我国乡村金融发展的概况进行了分析。
第四部分,乡村发展过程中的金融支持与普惠金融。本部分内容对乡村发展过程中的金融支持问题进行了系统分析：首先,本部分内容对金融支持进行了界定,对金融支持的内容进行了概括,并对金融支持与金融发展,金融支持与普惠金融的关系进行了辩证分析,在此基础上、对普惠金融、小额信贷与微型金融进行了深入研究。
第五部分,乡村发展过程中的金融支持绩效。该部分内容首先从定性角度对乡村发展过程中乡村金融市场供求现状进行深入分析,在此基础上对乡村金融市场供求不均衡的表现进行了深入的原因剖析,最后对乡村发展过程中的金融支持绩效进行客观评价。
第六部分,基于机制设计理论的供给主体行为分析。本部分内容运用机制设计理论设计出一个激励约束机制达到激励供给主体的目的,从微观角度分析了乡村金融市场上的农村信用社与民间借贷的供给行为,为乡村金融支持体系构建提供参考。
第七部分,乡村发展过程中的乡村金融支持体系构建。按照乡村金融支持体系构建的目标、遵循的原则,进而结合十七大三中全会提出的乡村金融制度改革的要求,本部分内容提出了构建普惠型乡村金融支持体系的建议对策。
第八部分,总结。对本文内容的一个总结,突出本文研究的内容与创新,并指出本文研究的不足和后续的研究方向。
Rural development is an unavoidable issue in the process of modernization for any country. Currently, the rural development is the way of solving the "three rural" issue and promoting the foundation of new village construction. In recent years, the Government proposed that the country must pay more attention to rural areas, farmers, and agriculture. Meanwhile, the Government takes the "three rural" issue as a top priority of the party's work. From 2004 to 2009 for six consecutive years, the Government Continuous Released the Central Committee Document No. about "three rural". The sixteenth meeting of our party released the "CPC Central Committee on National Economic and Social Development 10th Five-Year Plan's recommendations" which defining the next five years China's economic and social development goals and program of action and bringing forward building a new socialist countryside put forward the important historical task, this points out the direction for carrying out current and future a period of "three rural" work. But to achieve comprehensive and sustainable development of rural key issue is to strengthen and increase support for rural finance to establish a sound rural financial support system.
At present, the central task of China's agricultural and rural development is to promote strategic restructuring of the rural economy, Regardless of the technology through the transfer of rural surplus labor force in cities and towns, Or through the adjustment of agricultural industrialization rural production structure, those are inseparable from the rural areas for financial support. However, from the current situation, Most of the domestic social capitals are more effective flow of non-agricultural sectors, the village already scarce funds are outflows through various channels, which makes the rural economic development are severely constrained. Lack of appropriate and effective financial institutions to provide financial services to rural areas and farmers and Unable to meet the financing needs of rural economic agents are Constitute the current plight of rural economic development and Cause by slow growth in peasant incomes. Meanwhile, the rural financial institutions, conduct of operations is still subject to many restrictions, all of those need research on rural economic development in the financial volume, structure, systems, etc. the Seventeenth Meeting gave us a higher demand for the reform of Rural financial system. After years of reform and development, our country has formed a multi-level, wide coverage of rural financial support system. But in the whole, our country's rural economic development in the degree of financial support is not high, that is the outstanding performance in the rural financial markets, supply and demand imbalance, financial services which is difficult to meet the "three rural" development needs, there are serious financial suppression.
In this paper, qualitative point of view of the process of rural development, rural financial markets in-depth analysis of the current situation of supply and demand, On this basis, demand and supply of rural financial markets, the uneven performance of an in-depth analysis of the reasons. Combination of mechanism design theory to set up a rural financial support model, And using this model of rural financial markets, rural credit cooperatives and private lending behavior are analyzed, and provide the financial support system for rural building to provide the necessary theoretical support. In the end, this paper wants to build multi-level, wide coverage, and sustainable development, Pratt & Whitney-type rural financial support system as the goal, and proposes to build multi-level, wide coverage, sustainable development, Pratt & Whitney-type rural financial support system of ideas, With a view to the development of China's rural finance has played a certain motivational impact.
Aiming at these problems, this eight part of the process of rural development issues.of financial support system, applying the new ideas of inclusive financial system, elaborates a new rural construction appropriate to the current requirements of Pratt & Whitney-type rural financial support system, in the end, putting forward the appropriate for the System of the improvement measures and recommendations, which is the reform of the paper.
The first part:theoretical basis. This part analyzed the definition of rural development. On the characteristics of rural development,'content and new rural construction and other issues described. Meanwhile, financial development and economic growth theories, rural financial theory were reviewed and analyzed, Lay the theoretical basis for this paper.
The second part:Demand and supply of rural financial. This section is a continuation of the first part. This part of the content from both demand and supply analyzed the behavior and characteristics of rural financial bodies.
The third part:China's rural financial development history and overview. First of all, the historical context along the rural financial development in China has combed. On the basis, from the angle of the financial services, financial market development and innovation, financial system and policies, financial obstacles, analyzed the profile of rural financial development.
The fourth part:The process of rural development and inclusive finance financial support. This part of the process of rural development issues Financial Support Analyst.
The fifth part:The process of rural development, the performance of financial support. The first part of rural development from a qualitative point of view analyzed the process of rural financial markets in-depth analysis of supply and demand situation. On the basis of supply and demand for rural financial market is not balanced because the performance in-depth analysis. Finally, in the process of rural development, this paper objectively evaluated the performance of financial support.
The sixth part:Mechanism design theory based on the supply of the main acts. This part of the application of mechanism designed the theory to design an incentive and restraint mechanisms to encourage the supply of the main purpose. From the microscopic point of view of the rural financial market, this paper analyzed the rural credit cooperatives and the supply of private lending behavior.
The seventh part:The process of rural development, rural financial support System. Rural Financial Support System in accordance, with the objectives, the principles, Then combined with 17 large rural financial system proposed by the Third Plenary Session of reform demands. This part of the content of the type of building inclusive rural financial support system proposed countermeasures.
The eighth part:Summary. The summary of the contents of this article highlights the contents of this paper and innovation, and points out the lack of study and subsequent research.
目前,我国农业和乡村发展的中心任务是推进乡村经济结构的战略性调整,而不管是通过城镇化转移乡村剩余劳动力,还是通过农业产业化调整乡村生产结构,都需要有大量资金的积累和再投入,均离不开乡村金融的支持。但是从目前的情况来看,国内社会资金的大部分均流向比较效益高的非农部门,而乡村本已紧缺的资金也通过各种渠道外流,使得乡村经济发展受到严重制约。缺乏合适有效的金融机构为乡村和农民提供金融服务,无法满足乡村经济主体的融资需求构成了当前乡村经济发展的困境,也是造成农民收入增长缓慢的主要原因之一。与此同时乡村金融机构的经营行为仍然受到多方面的限制,所有这些在乡村经济发展中的金融总量、结构、制度等方面的矛盾急需我们进行深入的研究。十七届三中全会也给我们乡村金融制度的改革提出了更高要求。虽然经过多年的改革与发展,我国初步形成了多层次、广覆盖的乡村金融支持体系。但是从总体上来看,我国乡村经济发展中的金融支持度不高,其突出表现在乡村金融市场的供求失衡,会融服务难以满足“三农”发展的需要,存在严重的金融抑制现象。
针对这些问题,本文分八部分内容对乡村发展过程中的金融支持问题进行了系统研究,探索构建多层次、广覆盖、可持续发展的普惠型乡村金融支持体系,以期为我国乡村金融的发展起到一定的推动作用。
第一部分,理论基础。本部分内容对乡村发展进行了分析界定,对乡村发展的特点、内容以及新农村建设等问题进行了阐述；同时对金融发展和经济增长的相关理论、乡村金融理论进行了回顾和分析,奠定本文的理论基础。
第二部分,乡村金融需求与供给。本部分内容是第一部分理论基础的延续,从需求和供给两个方面分析乡村金融主体行为与特征。
第三部分,我国乡村金融发展的历史沿革与概况。首先沿着历史脉络对我国乡村金融发展进行了梳理,在此基础上,从金融服务、金融市场发展与创新、金融制度与政策、金融发展障碍等方面对我国乡村金融发展的概况进行了分析。
第四部分,乡村发展过程中的金融支持与普惠金融。本部分内容对乡村发展过程中的金融支持问题进行了系统分析：首先,本部分内容对金融支持进行了界定,对金融支持的内容进行了概括,并对金融支持与金融发展,金融支持与普惠金融的关系进行了辩证分析,在此基础上、对普惠金融、小额信贷与微型金融进行了深入研究。
第五部分,乡村发展过程中的金融支持绩效。该部分内容首先从定性角度对乡村发展过程中乡村金融市场供求现状进行深入分析,在此基础上对乡村金融市场供求不均衡的表现进行了深入的原因剖析,最后对乡村发展过程中的金融支持绩效进行客观评价。
第六部分,基于机制设计理论的供给主体行为分析。本部分内容运用机制设计理论设计出一个激励约束机制达到激励供给主体的目的,从微观角度分析了乡村金融市场上的农村信用社与民间借贷的供给行为,为乡村金融支持体系构建提供参考。
第七部分,乡村发展过程中的乡村金融支持体系构建。按照乡村金融支持体系构建的目标、遵循的原则,进而结合十七大三中全会提出的乡村金融制度改革的要求,本部分内容提出了构建普惠型乡村金融支持体系的建议对策。
第八部分,总结。对本文内容的一个总结,突出本文研究的内容与创新,并指出本文研究的不足和后续的研究方向。
Rural development is an unavoidable issue in the process of modernization for any country. Currently, the rural development is the way of solving the "three rural" issue and promoting the foundation of new village construction. In recent years, the Government proposed that the country must pay more attention to rural areas, farmers, and agriculture. Meanwhile, the Government takes the "three rural" issue as a top priority of the party's work. From 2004 to 2009 for six consecutive years, the Government Continuous Released the Central Committee Document No. about "three rural". The sixteenth meeting of our party released the "CPC Central Committee on National Economic and Social Development 10th Five-Year Plan's recommendations" which defining the next five years China's economic and social development goals and program of action and bringing forward building a new socialist countryside put forward the important historical task, this points out the direction for carrying out current and future a period of "three rural" work. But to achieve comprehensive and sustainable development of rural key issue is to strengthen and increase support for rural finance to establish a sound rural financial support system.
At present, the central task of China's agricultural and rural development is to promote strategic restructuring of the rural economy, Regardless of the technology through the transfer of rural surplus labor force in cities and towns, Or through the adjustment of agricultural industrialization rural production structure, those are inseparable from the rural areas for financial support. However, from the current situation, Most of the domestic social capitals are more effective flow of non-agricultural sectors, the village already scarce funds are outflows through various channels, which makes the rural economic development are severely constrained. Lack of appropriate and effective financial institutions to provide financial services to rural areas and farmers and Unable to meet the financing needs of rural economic agents are Constitute the current plight of rural economic development and Cause by slow growth in peasant incomes. Meanwhile, the rural financial institutions, conduct of operations is still subject to many restrictions, all of those need research on rural economic development in the financial volume, structure, systems, etc. the Seventeenth Meeting gave us a higher demand for the reform of Rural financial system. After years of reform and development, our country has formed a multi-level, wide coverage of rural financial support system. But in the whole, our country's rural economic development in the degree of financial support is not high, that is the outstanding performance in the rural financial markets, supply and demand imbalance, financial services which is difficult to meet the "three rural" development needs, there are serious financial suppression.
In this paper, qualitative point of view of the process of rural development, rural financial markets in-depth analysis of the current situation of supply and demand, On this basis, demand and supply of rural financial markets, the uneven performance of an in-depth analysis of the reasons. Combination of mechanism design theory to set up a rural financial support model, And using this model of rural financial markets, rural credit cooperatives and private lending behavior are analyzed, and provide the financial support system for rural building to provide the necessary theoretical support. In the end, this paper wants to build multi-level, wide coverage, and sustainable development, Pratt & Whitney-type rural financial support system as the goal, and proposes to build multi-level, wide coverage, sustainable development, Pratt & Whitney-type rural financial support system of ideas, With a view to the development of China's rural finance has played a certain motivational impact.
Aiming at these problems, this eight part of the process of rural development issues.of financial support system, applying the new ideas of inclusive financial system, elaborates a new rural construction appropriate to the current requirements of Pratt & Whitney-type rural financial support system, in the end, putting forward the appropriate for the System of the improvement measures and recommendations, which is the reform of the paper.
The first part:theoretical basis. This part analyzed the definition of rural development. On the characteristics of rural development,'content and new rural construction and other issues described. Meanwhile, financial development and economic growth theories, rural financial theory were reviewed and analyzed, Lay the theoretical basis for this paper.
The second part:Demand and supply of rural financial. This section is a continuation of the first part. This part of the content from both demand and supply analyzed the behavior and characteristics of rural financial bodies.
The third part:China's rural financial development history and overview. First of all, the historical context along the rural financial development in China has combed. On the basis, from the angle of the financial services, financial market development and innovation, financial system and policies, financial obstacles, analyzed the profile of rural financial development.
The fourth part:The process of rural development and inclusive finance financial support. This part of the process of rural development issues Financial Support Analyst.
The fifth part:The process of rural development, the performance of financial support. The first part of rural development from a qualitative point of view analyzed the process of rural financial markets in-depth analysis of supply and demand situation. On the basis of supply and demand for rural financial market is not balanced because the performance in-depth analysis. Finally, in the process of rural development, this paper objectively evaluated the performance of financial support.
The sixth part:Mechanism design theory based on the supply of the main acts. This part of the application of mechanism designed the theory to design an incentive and restraint mechanisms to encourage the supply of the main purpose. From the microscopic point of view of the rural financial market, this paper analyzed the rural credit cooperatives and the supply of private lending behavior.
The seventh part:The process of rural development, rural financial support System. Rural Financial Support System in accordance, with the objectives, the principles, Then combined with 17 large rural financial system proposed by the Third Plenary Session of reform demands. This part of the content of the type of building inclusive rural financial support system proposed countermeasures.
The eighth part:Summary. The summary of the contents of this article highlights the contents of this paper and innovation, and points out the lack of study and subsequent research.
引文
[1]Stohr, W. and Toding, F.,1977. "Spatial Equity:Some Antitheses to Current Regional Development Doctrine." Papers and Proceedings of the Regional Science Association, 38,pp.33-53.
[2]Friedmann, T. and Weaver, C.,1979. Territory Function:the Evolution of Regional Planning. London:Edward Arnold.
[3]C. B. Barrett, T. Reardon, Pwebb. Non-farm income diversification and household livelihood strategies in rural Africa:concepts, dynamics, and policy implications. Food Policy,2001,26: 315-331.
[4]Michael Murray, Larry Dunn, Capacity Building for Rural Development in the United States. Journal of Rural Studies,1995.11(1):89-97.
[5]T.Scarlett Epstein, David Jezeph. Development-There is Another Way:A Rural-Urban Partnership Development Paradigm. World Development,2001,29(8):1443-1454.
[6]Caroline A Shley, Simon Maxwell Rethinking Rural Development. Development Policy Review,2001,19(4):395-425.
[7]Frank Ellis, Stephen Biggs. Evolving Themes in Rural Development 1950s-2000s Development policy Review,2001,19(4):437-448.
[8]R.Mckinnon. Money and Capital in Economic Development. Washington, D.C.:The Brookings Institution,1973.
[9].R.Mckinnon. The order of Economic Liberalization:Financial Control in the Transition to Market Economy. Johns Hopkins University Press,1991.
[10].E.S.Shaw. Financial Deepening in Economic Development. New York:oxford University Press,1973.
[11].Stiglitz, J.E. Credit Markets and the Control of Capital. Journal of Money, Credit, Banking, 1985,17(2).
[12].Stiglitz, J.E. The Role of the State in Finance Markets. The world Bank Economic Review, 1994.
[13].IFAD. Double-edged sword? Efficiency vs. equity in lending to the Poor. IFAD's thematic study on rural finance in China. Evaluation Profile,2002(3)
[14].Mohsin S.Khan and Abdelhak S. Senhadji, Financial Development and Economic Growth: An Overview, IMF Working Paper,2000(12)
[15]Olivier Mahul. Optimal Insurance Against Climatic Experience. American Agricultural Economies, (August)2001
[16]Bennett.1997.Group such Based Financial Systems:Exploring the Links between Performance and Participation. World Bank, Asia Technical Department.
[17]World Bank,2002, China National Development and Sub-national Finance. A Review of Provincial Expenditures.
[18]Yaron, McDonald Benjamin, Gerda Piprek.1997.Rural Finance Issues, Design and Best Practices. World Bank, Agriculture and Natural Resources Department.
[19]Hermes, Niels, Lensink, Robert. The Empirics of Microfinance:What Do We Know? The Economic Journal,2007,117(Feb.):F1-F10.
[20]Gurly, J.G. and Shaw, E.S. Money in a Theory of Finance. Washington, D.C. Brookings Institution,1960.
[21]James C Brau, Gary M Woller. Microfinance:A Comprehensive of Existing Literature Journal of Entrepreneurial Finance and Business V entures,2004,(9):1-261
[22]CGAP:May 2000. Focus Note No.16,'Those who leave and those who don't join:Insights From East African Microfinance Institution.'Http://www.cgap.org.
[23]Focus Note,No.28,Commercial Banks And Microfinance:Evolving Models Of Success,2005
[24]Annual Reports[EB]. http://www.GrameenFoundation.org:2007
[25]Mark Schreiner. REPLICATING MICROFINANCE IN THE UNITED STATES: OPPORTUNITIES AND CHALLENGES[M], New York:Oxford University Press Inc,2001:58
[26]Hurwicz,L., "Optimality and Informational Efficiency in Resource Allocation Processes", Mathematical Methods in the Social Sciences, eds. Arrow, K., S. Karlin, and P. Suppes.1960, Stanford:Stanford University Press.
[27]Marschak, J., "Elements for a theory of Teams", Management Science,1955,1:127-137.
[28]Whittle, P., "Optimum Preventive Sampling", Journal of Operat, Res. So.am.1954,2:197-205.
[29]Hill, D.H., "The Economic Incentive Provided by Sampling Inspection", Applied Statistics, 1960,2:69-81.
[30]Good, I.J., "Rational Decisions", Journal of the Royal Economic Society,1952, 14(1):105-115.
[31]McCarthy, J., "Measure of the Value of Information", Proc. Nat. Acad. Science,1956, 42:654-655.
[32]Rothschild, M., and J.Stiglitz, "Equilibrium in Competitive Insurance Markets", Quarterly Journal of Economics,1976,93:541-562.
[33]Hurwicz, L., "On the Dimensional Requirements of Informationally Decentralized Pareto Satisfactory Adjustment Processes", In Studies in Resource Allocation Processes, eds. K.J.Arrow and L. Hurwicz,1977, Cambridge:Cambridge University Press.
[34]Gibbard, A., "Manipulation of Voting Schemes:A General Result", Econometrica, 1973,43:587-601.
[35]Satterthwaite, M., "Strategy-Proofness and Arrow's Condition:Existence and Correspondence Theorems for Voting Procedures and Social Welfare Functions", Journal of Economic Theory, 1975,10:187-217.
[36]Green, J., and J.J.Laffont, "Characterization of Satisfactory Mechanisms for the Revelation of Preferences for Public Goods", Econometrica,1977,45:427-438.
[37]Dasgupta, P., P. Hammond and E. Maskin, "The Implementation of Social Choice Rules: Some General Results on Incentive Compatibility", Review of Economic Studied, 1979,46:185-216.
[38]Myerson, R., "Incentive Compatibility and the Bargaining Problem", Econometrica,1979,47: 61-73.
[39]Groves, T., "Incentive in Teams", Econometrica,1973,41:617-631.
[40]Schultze, C., "The Role of Incentive, Penalties, and Rewards in Attaining Effective Policy", In The Analysis and Evaluation of Public Expenditures:The PPB System, Vol.1, Joint Economic Committee Compendium,91st congress,1st session.
[41]Laffont, J.J. and E.Maskin, "A Differential Approach to Dominant Strategy Mechanisms", Econometrica,1980,48:1507-1520.
[42]蔡宏进.乡村社会学.台湾：三民书局,1989.
[43]袁镜身.中国乡村建设.北京：中国社会科学出版社,1987.
[44]杜晓山等主编.中国小额信贷十年.北京：社会科学文献出版社,2005.5.
[45]曹子娟主编.中国小额信贷发展研究.北京：中国时代经济出版社,2006.1.
[46]张元红.当代乡村金融发展的理论与实践.江西：江西人民出版社,2002：109-119.
[47]曹立群.乡村金融改革与农户借贷行为研究(中国农村研究报告).北京：中国财政经济出版社,2000.
[48]张杰.中国金融制度的结构与变迁.山西：山西经济出版社,1998：20-49.
[49]何广文,冯兴元,郭沛,等.中国乡村金融发展与制度变迁.北京：中国财政经济出版社,2005.
[50][美]爱德华·肖.经济发展中的金融深化.上海：上海人民出版社,1988.
[51][美]雷蒙德·W·戈德斯密斯.金融结构与金融发展.上海：上海人民出版社,1996.
[52][美]罗纳德·麦金农.经济发展中的货币与资本.上海：上海三联书店,1997.
[53]张晓山,何安耐主编.乡村金融转型与创新——关于合作基金会的思考.山西：山西经济出版社,2002.
[54]张元红.当代乡村金融发展的理论与实践.江西：江西人民出版社,2002.
[55]成思危.改革与发展：推进中国的乡村金融.北京：经济科学出版社,2005
[56]刘锡良等.中国转型期乡村金融体系研究.北京：中国金融出版社,2006
[57]马忠富.中国农村合作金融发展研究.北京：中国金融出版社,2001
[58]韩俊等著.中国乡村金融调查.上海：上海远东出版社,2007
[59]乔安娜.雷格伍德.小额金融信贷手册.北京：中华工商联合出版社,2000
[60]杜晓山,刘文璞.小额信贷原理及运作.上海：上海财经大学出版社,2001
[61]黄建新.反贫困与乡村金融制度安排.北京：中国财政经济出版社,2008
[62]张维迎.博弈论与信息经济学.上海：上海人民出版社,1996.
[63]黄宗智.长江三角洲的小农家庭和乡村发展.北京：中华书局。2000
[64]袁镜身.中国乡村建设北京：中国社会科学出版社,1987
[65]陈军,曹远征.乡村金融深化与发展评析北京：中国人民大学出版社,2008年
[66]焦谨璞,杨骏.小额信贷和乡村金融.北京：中国金融出版社,2006
[67]叶敬忠.农民视角的新乡村建设北京：社会科学文献出版社,2006年
[68]中国人民银行乡村金融服务研究小组,中国乡村金融服务报告,2008年9月
[69]何德旭,王朝阳,张捷. 机制设计理论的发展与应用[N].中国经济时报,2007
[70]张启阳.深化乡村金融改革改进对“三农”金融服务[N].金融时报,2009.02.09
[71]韩雪萌.促进金融支持社会主义新农村建设和中小企业发展[N].金融时报,2009-7-30
[72]冯兴元.乡村金融不能靠一条腿走路,需多元化发展[N].中国金融网,2004-11-3.
[73]温铁军.深化乡村金融体制改革如何破题[N].中国金融网,2004-11-8.
[74]张红宇,平抑城乡居民收入差距的国际经验[N].中国经济时报,2004-3-23
[75]邹平座,构建乡村金融市场体系须实现三个优化[N].金融时报,2009-7-2
[76]加快乡村金融体制创新 支持中国现代农业发展[N].金融时报,2009-6-29
[77]杜金富.加快金融创新助推现代农业[N].金融时报,2009-6-29
[78]王小平.小助小：小额贷款保险缓解农民贷款难[N].金融时报,2009-2-28
[79]余晓洁,刘琳.农村不乏金融“富矿”——中国村镇银行盈利其实[N].经济参考报,2009-7-10
[80]王讯.大力发展小额信贷构建普惠金融体系[N].青岛财经日报,2008-12-29
[81]韩俊.加快建立普惠型的乡村金融体系[N].金融时报,2009-7-13
[82]谷秀军.中国人民银行那个青岛市中支努力打造三金工程[N].金融时报,2009-3-31
[83]王爱俭.扩大乡村金融有效供给关键是大力发展“草根金融”[N].金融时报,2009-3-2
[84]李侠.民间金融合法化正当其时[N].金融时报,2009-2-26
[85]陈昆才.乡村金融体系重构之路[N].21世纪经济报道,2008-12-2
[86]田俊丽.中国农村信贷配给及乡村金融体系重构[硕士学位论文].西南财经大学,2006
[87]祝健.中国乡村金融体系重构研究[硕士学位论文].福建师范大学,2007
[88]朱估.中国农村经济发展的金融支持研究[硕士学位论文].哈尔滨工程大学,2006
[89]李保颖.对构建我国乡村金融体系的探讨——基于新农村建设中金融需求和金融供给的研究[硕士学位论文].西南财经大学,2007
[90]孙培宽.完善我国乡村金融体系的研究[硕士学位论文].对外经济贸易大学,2007
[91]张永波.我国乡村金融供求失衡分析[硕士学位论文].中共四川省委党校,2007
[92]齐明.中国乡村金融体系发展问题研究[硕士学位论文].东北财经大学,2007
[93]施志革.新型乡村金融体系构建研究——以成都市郊为例[硕士学位论文].西南财经大学,2007
[94]孙艳英.我国农村经济发展的金融支持研究[硕士学位论文].哈尔滨工程大学,2007
[95]陈志俊,邹恒甫.防范串谋的激励机制设计理论研究.经济学动态,2002(10)
[96]段华洽.农村社会现代化的积极探索——兼论“文化扶贫”与“村民自治”.理论建设1999(3)：47-50.
[97]温铁军.中国的城镇化道路与相关制度问题.开放导报,2000(5)：21-23.
[98]钟水映.小城镇建设与农村现代化.经济评论,1994(3)：60-64.
[99]张雨林.论城乡一体化.社会学研究1988(5)：25-32.
[100]马恩成.对乡村工业化、城市化与农业现代化、城乡一体化的探讨.南方经济,1995(5)：12-13.
[101]杜晓山.中国农村小额信贷的实践尝试.中国农村经济,2004(8).
[102]董积生.农村信用社“小额信贷”的可持续发展探讨.湖北社会科学,2003(7)
[103]李仁贵.西方区域发展理论的主要流派及其演进.经济评论,2005(6).
[104]王丽华,俞金国,张小林.国外乡村社会地理研究综述.人文地理,2006(1).
[105]王中兴.社会地理学社会——文化转型的内涵与研究前沿方向.人文地理,2004(19)：2-8.
[106]彭新万.现代乡村发展理论述评及其对灾后农村重建的启示.理论与改革,2009(1).
[107]龙太江.乡村社会的国家政权建设：一个未完成的历史课题——兼论国家政权中的集权与分权.天津社会科学2001(3)：101-105.
[108]李岳云,杨宁.农民创业与乡村发展.现代经济探讨,2008(4).
[109]施月峰,李立周.欠发达地区乡村发展思路探析.理论与当代,2007(11).
[110]杨邦杰.乡村发展：环境保护现状、问题与对.中国发展,2007(2).
[111]张兵,朱建华,贾红岗.我国乡村金融深化的实证检验与比较研究.南京农大学报,2002(2).
[112]何文广.从农村居民资金借贷行为看乡村金融抑制与金融深化.中国农村经济,1999(10)：5-7.
[113]谢平.中国农村信用合作社体制改革的争论.金融研究,2001(1).
[114]高帆.我国农村中的需求型金融抑制及其解除.中国农村经济,2002(12).
[115]马晓河,蓝海涛.当前我国乡村金融面临的困境与改革思路.中国金融2003(11).
[116]史清华,陈凯.欠发达地区农民借贷行为的实证分析——山西户农民家庭的借贷行为的调查.农业经济问题,2002(10).
[117]欧阳红兵,胡瑞.微型金融及其在我国的发展.改革与战略,2007(10).
[118]张亮.国际微型金融机构的发展趋势.经济导刊,2007(12).
[119]叶敬忠等.社会学视角的农户金融需求与乡村金融供给.中国农村经济,2004(8)
[120]中科院贫困中心、农发所.中国小额信贷的实践和政策思考.财贸经济2000(7)
[121]欧阳红兵,胡瑞丽.微型金融及其在我国的发展.改革与战略,2007(10)
[122]国娇.非洲国家微型金融的发展.国际金融研究,2006(7)
[123]姚莉.发展中国家开展微型金融的不同模式.华北金融,2007(11)
[124]人民银行宿迁市中心支行课题组.供求均衡视角下培育竞争性乡村金融市场问题研究.金融纵横,2008(5)
[125]梁爱平.基于金融供给角度的乡村金融研究.北方经济,2008(9).
[126]郭树华,于健康,袁天昂.对乡村金融的差异需求与分层供给行为选择的模型分析.上海金融,2008(5)
[127]肖唐镖.乡村建设：概念分析与新近研究.求实,2004(1)
[128]甄峰,赵勇,郑俊,赵国栋.新农村建设与乡村发展研究.地理科学,2008(4)
[129]许颜杰,马维鸽.民国以来的乡村发展理论综述.安徽农业科学,2008(36)
[130]叶祥松,罗海平.社会主义新农村建设的路径探析——“农联”模式的集体化之路.当代经济研究,2006(2)
[131]周素红.基于金融支持的社会主义新农村建设初探.经济问题,2006(10)
[131]袁国红.金融支持社会主义新农村建设问题探析.海南金融,2008(2)
[132]赵启华,裴志忠.聚焦乡村金融支持难点创新乡村金融服务体系.金融与经济2007(2)
[133]杜晓山.建立可持续性发展的农村普惠性金融体系.金融与经济,2007(2)：33-37
[134]杜晓山.和谐金融与普惠金融体系.中国农村信用合作,2008(1)：19
[135]李旭超.对发展普惠金融若干问题的思考.西部金融2007(12)：73-74
[136]杜晓山.小额信贷的发展与普惠性金融体系框架.中国农村经济,2006(8)：70-78
[137]李旭超.对发展普惠金融若干问题的思考.西部金融,2007(12)
[138]姜风旭.发展普惠金融助力和谐社会建设.华北金融,2007(11)
[139]赵明光.乡村金融供求演变与普惠制金融体系的建立.西南金融,2007(10)
[140]孙少妍.从普惠性金融体系角度探索小额信贷的多元化发展模式.济南金融,2007(8)
[141]杜晓山.以普惠金融体系理念促进乡村金融改革发展——对中西部农村地区金融改革的思考.农业发展与金融2007(1)
[142]郎胜伟,买买提·吐拉甫,夏全新.构建贫困地区农村普惠制金融体系——以新疆阿克苏地区新和县为例.新疆金融,2008(8)
[143]陆游.农村普惠金融体系与商业型小额信贷的发展.管理观察,2008(17)
[144]房引宁.小额信贷发展与普惠制金融体系路径选择.西部金融,2008(9)
[145]陈好孟.从城镇下岗职工小额担保贷款看城市普惠金融体系建设——淄博案例.金融发展研究,2008(8)
[146]黄良谋,黄革,向志容.普惠制金融理论的述评及在我国贫困地区的应用.海南金融,2008(1)
[147]杨长岩,施永,张建明,雷贵优.推广普惠金融服务完善乡村金融体系.福建金融2009(4)
[148]孟飞.普惠金融生态及其优化.上海经济研究,2009(6)
[149]金峰,褚保金.论我国乡村金融发展的困境与改革.宁夏社会科学,2008(6)：36-39
[150]山东省农村信用社联合社课题组.农村信用社支持社会主义新农村建设研究.金融发展研究,2009(6)
[2]Friedmann, T. and Weaver, C.,1979. Territory Function:the Evolution of Regional Planning. London:Edward Arnold.
[3]C. B. Barrett, T. Reardon, Pwebb. Non-farm income diversification and household livelihood strategies in rural Africa:concepts, dynamics, and policy implications. Food Policy,2001,26: 315-331.
[4]Michael Murray, Larry Dunn, Capacity Building for Rural Development in the United States. Journal of Rural Studies,1995.11(1):89-97.
[5]T.Scarlett Epstein, David Jezeph. Development-There is Another Way:A Rural-Urban Partnership Development Paradigm. World Development,2001,29(8):1443-1454.
[6]Caroline A Shley, Simon Maxwell Rethinking Rural Development. Development Policy Review,2001,19(4):395-425.
[7]Frank Ellis, Stephen Biggs. Evolving Themes in Rural Development 1950s-2000s Development policy Review,2001,19(4):437-448.
[8]R.Mckinnon. Money and Capital in Economic Development. Washington, D.C.:The Brookings Institution,1973.
[9].R.Mckinnon. The order of Economic Liberalization:Financial Control in the Transition to Market Economy. Johns Hopkins University Press,1991.
[10].E.S.Shaw. Financial Deepening in Economic Development. New York:oxford University Press,1973.
[11].Stiglitz, J.E. Credit Markets and the Control of Capital. Journal of Money, Credit, Banking, 1985,17(2).
[12].Stiglitz, J.E. The Role of the State in Finance Markets. The world Bank Economic Review, 1994.
[13].IFAD. Double-edged sword? Efficiency vs. equity in lending to the Poor. IFAD's thematic study on rural finance in China. Evaluation Profile,2002(3)
[14].Mohsin S.Khan and Abdelhak S. Senhadji, Financial Development and Economic Growth: An Overview, IMF Working Paper,2000(12)
[15]Olivier Mahul. Optimal Insurance Against Climatic Experience. American Agricultural Economies, (August)2001
[16]Bennett.1997.Group such Based Financial Systems:Exploring the Links between Performance and Participation. World Bank, Asia Technical Department.
[17]World Bank,2002, China National Development and Sub-national Finance. A Review of Provincial Expenditures.
[18]Yaron, McDonald Benjamin, Gerda Piprek.1997.Rural Finance Issues, Design and Best Practices. World Bank, Agriculture and Natural Resources Department.
[19]Hermes, Niels, Lensink, Robert. The Empirics of Microfinance:What Do We Know? The Economic Journal,2007,117(Feb.):F1-F10.
[20]Gurly, J.G. and Shaw, E.S. Money in a Theory of Finance. Washington, D.C. Brookings Institution,1960.
[21]James C Brau, Gary M Woller. Microfinance:A Comprehensive of Existing Literature Journal of Entrepreneurial Finance and Business V entures,2004,(9):1-261
[22]CGAP:May 2000. Focus Note No.16,'Those who leave and those who don't join:Insights From East African Microfinance Institution.'Http://www.cgap.org.
[23]Focus Note,No.28,Commercial Banks And Microfinance:Evolving Models Of Success,2005
[24]Annual Reports[EB]. http://www.GrameenFoundation.org:2007
[25]Mark Schreiner. REPLICATING MICROFINANCE IN THE UNITED STATES: OPPORTUNITIES AND CHALLENGES[M], New York:Oxford University Press Inc,2001:58
[26]Hurwicz,L., "Optimality and Informational Efficiency in Resource Allocation Processes", Mathematical Methods in the Social Sciences, eds. Arrow, K., S. Karlin, and P. Suppes.1960, Stanford:Stanford University Press.
[27]Marschak, J., "Elements for a theory of Teams", Management Science,1955,1:127-137.
[28]Whittle, P., "Optimum Preventive Sampling", Journal of Operat, Res. So.am.1954,2:197-205.
[29]Hill, D.H., "The Economic Incentive Provided by Sampling Inspection", Applied Statistics, 1960,2:69-81.
[30]Good, I.J., "Rational Decisions", Journal of the Royal Economic Society,1952, 14(1):105-115.
[31]McCarthy, J., "Measure of the Value of Information", Proc. Nat. Acad. Science,1956, 42:654-655.
[32]Rothschild, M., and J.Stiglitz, "Equilibrium in Competitive Insurance Markets", Quarterly Journal of Economics,1976,93:541-562.
[33]Hurwicz, L., "On the Dimensional Requirements of Informationally Decentralized Pareto Satisfactory Adjustment Processes", In Studies in Resource Allocation Processes, eds. K.J.Arrow and L. Hurwicz,1977, Cambridge:Cambridge University Press.
[34]Gibbard, A., "Manipulation of Voting Schemes:A General Result", Econometrica, 1973,43:587-601.
[35]Satterthwaite, M., "Strategy-Proofness and Arrow's Condition:Existence and Correspondence Theorems for Voting Procedures and Social Welfare Functions", Journal of Economic Theory, 1975,10:187-217.
[36]Green, J., and J.J.Laffont, "Characterization of Satisfactory Mechanisms for the Revelation of Preferences for Public Goods", Econometrica,1977,45:427-438.
[37]Dasgupta, P., P. Hammond and E. Maskin, "The Implementation of Social Choice Rules: Some General Results on Incentive Compatibility", Review of Economic Studied, 1979,46:185-216.
[38]Myerson, R., "Incentive Compatibility and the Bargaining Problem", Econometrica,1979,47: 61-73.
[39]Groves, T., "Incentive in Teams", Econometrica,1973,41:617-631.
[40]Schultze, C., "The Role of Incentive, Penalties, and Rewards in Attaining Effective Policy", In The Analysis and Evaluation of Public Expenditures:The PPB System, Vol.1, Joint Economic Committee Compendium,91st congress,1st session.
[41]Laffont, J.J. and E.Maskin, "A Differential Approach to Dominant Strategy Mechanisms", Econometrica,1980,48:1507-1520.
[42]蔡宏进.乡村社会学.台湾：三民书局,1989.
[43]袁镜身.中国乡村建设.北京：中国社会科学出版社,1987.
[44]杜晓山等主编.中国小额信贷十年.北京：社会科学文献出版社,2005.5.
[45]曹子娟主编.中国小额信贷发展研究.北京：中国时代经济出版社,2006.1.
[46]张元红.当代乡村金融发展的理论与实践.江西：江西人民出版社,2002：109-119.
[47]曹立群.乡村金融改革与农户借贷行为研究(中国农村研究报告).北京：中国财政经济出版社,2000.
[48]张杰.中国金融制度的结构与变迁.山西：山西经济出版社,1998：20-49.
[49]何广文,冯兴元,郭沛,等.中国乡村金融发展与制度变迁.北京：中国财政经济出版社,2005.
[50][美]爱德华·肖.经济发展中的金融深化.上海：上海人民出版社,1988.
[51][美]雷蒙德·W·戈德斯密斯.金融结构与金融发展.上海：上海人民出版社,1996.
[52][美]罗纳德·麦金农.经济发展中的货币与资本.上海：上海三联书店,1997.
[53]张晓山,何安耐主编.乡村金融转型与创新——关于合作基金会的思考.山西：山西经济出版社,2002.
[54]张元红.当代乡村金融发展的理论与实践.江西：江西人民出版社,2002.
[55]成思危.改革与发展：推进中国的乡村金融.北京：经济科学出版社,2005
[56]刘锡良等.中国转型期乡村金融体系研究.北京：中国金融出版社,2006
[57]马忠富.中国农村合作金融发展研究.北京：中国金融出版社,2001
[58]韩俊等著.中国乡村金融调查.上海：上海远东出版社,2007
[59]乔安娜.雷格伍德.小额金融信贷手册.北京：中华工商联合出版社,2000
[60]杜晓山,刘文璞.小额信贷原理及运作.上海：上海财经大学出版社,2001
[61]黄建新.反贫困与乡村金融制度安排.北京：中国财政经济出版社,2008
[62]张维迎.博弈论与信息经济学.上海：上海人民出版社,1996.
[63]黄宗智.长江三角洲的小农家庭和乡村发展.北京：中华书局。2000
[64]袁镜身.中国乡村建设北京：中国社会科学出版社,1987
[65]陈军,曹远征.乡村金融深化与发展评析北京：中国人民大学出版社,2008年
[66]焦谨璞,杨骏.小额信贷和乡村金融.北京：中国金融出版社,2006
[67]叶敬忠.农民视角的新乡村建设北京：社会科学文献出版社,2006年
[68]中国人民银行乡村金融服务研究小组,中国乡村金融服务报告,2008年9月
[69]何德旭,王朝阳,张捷. 机制设计理论的发展与应用[N].中国经济时报,2007
[70]张启阳.深化乡村金融改革改进对“三农”金融服务[N].金融时报,2009.02.09
[71]韩雪萌.促进金融支持社会主义新农村建设和中小企业发展[N].金融时报,2009-7-30
[72]冯兴元.乡村金融不能靠一条腿走路,需多元化发展[N].中国金融网,2004-11-3.
[73]温铁军.深化乡村金融体制改革如何破题[N].中国金融网,2004-11-8.
[74]张红宇,平抑城乡居民收入差距的国际经验[N].中国经济时报,2004-3-23
[75]邹平座,构建乡村金融市场体系须实现三个优化[N].金融时报,2009-7-2
[76]加快乡村金融体制创新 支持中国现代农业发展[N].金融时报,2009-6-29
[77]杜金富.加快金融创新助推现代农业[N].金融时报,2009-6-29
[78]王小平.小助小：小额贷款保险缓解农民贷款难[N].金融时报,2009-2-28
[79]余晓洁,刘琳.农村不乏金融“富矿”——中国村镇银行盈利其实[N].经济参考报,2009-7-10
[80]王讯.大力发展小额信贷构建普惠金融体系[N].青岛财经日报,2008-12-29
[81]韩俊.加快建立普惠型的乡村金融体系[N].金融时报,2009-7-13
[82]谷秀军.中国人民银行那个青岛市中支努力打造三金工程[N].金融时报,2009-3-31
[83]王爱俭.扩大乡村金融有效供给关键是大力发展“草根金融”[N].金融时报,2009-3-2
[84]李侠.民间金融合法化正当其时[N].金融时报,2009-2-26
[85]陈昆才.乡村金融体系重构之路[N].21世纪经济报道,2008-12-2
[86]田俊丽.中国农村信贷配给及乡村金融体系重构[硕士学位论文].西南财经大学,2006
[87]祝健.中国乡村金融体系重构研究[硕士学位论文].福建师范大学,2007
[88]朱估.中国农村经济发展的金融支持研究[硕士学位论文].哈尔滨工程大学,2006
[89]李保颖.对构建我国乡村金融体系的探讨——基于新农村建设中金融需求和金融供给的研究[硕士学位论文].西南财经大学,2007
[90]孙培宽.完善我国乡村金融体系的研究[硕士学位论文].对外经济贸易大学,2007
[91]张永波.我国乡村金融供求失衡分析[硕士学位论文].中共四川省委党校,2007
[92]齐明.中国乡村金融体系发展问题研究[硕士学位论文].东北财经大学,2007
[93]施志革.新型乡村金融体系构建研究——以成都市郊为例[硕士学位论文].西南财经大学,2007
[94]孙艳英.我国农村经济发展的金融支持研究[硕士学位论文].哈尔滨工程大学,2007
[95]陈志俊,邹恒甫.防范串谋的激励机制设计理论研究.经济学动态,2002(10)
[96]段华洽.农村社会现代化的积极探索——兼论“文化扶贫”与“村民自治”.理论建设1999(3)：47-50.
[97]温铁军.中国的城镇化道路与相关制度问题.开放导报,2000(5)：21-23.
[98]钟水映.小城镇建设与农村现代化.经济评论,1994(3)：60-64.
[99]张雨林.论城乡一体化.社会学研究1988(5)：25-32.
[100]马恩成.对乡村工业化、城市化与农业现代化、城乡一体化的探讨.南方经济,1995(5)：12-13.
[101]杜晓山.中国农村小额信贷的实践尝试.中国农村经济,2004(8).
[102]董积生.农村信用社“小额信贷”的可持续发展探讨.湖北社会科学,2003(7)
[103]李仁贵.西方区域发展理论的主要流派及其演进.经济评论,2005(6).
[104]王丽华,俞金国,张小林.国外乡村社会地理研究综述.人文地理,2006(1).
[105]王中兴.社会地理学社会——文化转型的内涵与研究前沿方向.人文地理,2004(19)：2-8.
[106]彭新万.现代乡村发展理论述评及其对灾后农村重建的启示.理论与改革,2009(1).
[107]龙太江.乡村社会的国家政权建设：一个未完成的历史课题——兼论国家政权中的集权与分权.天津社会科学2001(3)：101-105.
[108]李岳云,杨宁.农民创业与乡村发展.现代经济探讨,2008(4).
[109]施月峰,李立周.欠发达地区乡村发展思路探析.理论与当代,2007(11).
[110]杨邦杰.乡村发展：环境保护现状、问题与对.中国发展,2007(2).
[111]张兵,朱建华,贾红岗.我国乡村金融深化的实证检验与比较研究.南京农大学报,2002(2).
[112]何文广.从农村居民资金借贷行为看乡村金融抑制与金融深化.中国农村经济,1999(10)：5-7.
[113]谢平.中国农村信用合作社体制改革的争论.金融研究,2001(1).
[114]高帆.我国农村中的需求型金融抑制及其解除.中国农村经济,2002(12).
[115]马晓河,蓝海涛.当前我国乡村金融面临的困境与改革思路.中国金融2003(11).
[116]史清华,陈凯.欠发达地区农民借贷行为的实证分析——山西户农民家庭的借贷行为的调查.农业经济问题,2002(10).
[117]欧阳红兵,胡瑞.微型金融及其在我国的发展.改革与战略,2007(10).
[118]张亮.国际微型金融机构的发展趋势.经济导刊,2007(12).
[119]叶敬忠等.社会学视角的农户金融需求与乡村金融供给.中国农村经济,2004(8)
[120]中科院贫困中心、农发所.中国小额信贷的实践和政策思考.财贸经济2000(7)
[121]欧阳红兵,胡瑞丽.微型金融及其在我国的发展.改革与战略,2007(10)
[122]国娇.非洲国家微型金融的发展.国际金融研究,2006(7)
[123]姚莉.发展中国家开展微型金融的不同模式.华北金融,2007(11)
[124]人民银行宿迁市中心支行课题组.供求均衡视角下培育竞争性乡村金融市场问题研究.金融纵横,2008(5)
[125]梁爱平.基于金融供给角度的乡村金融研究.北方经济,2008(9).
[126]郭树华,于健康,袁天昂.对乡村金融的差异需求与分层供给行为选择的模型分析.上海金融,2008(5)
[127]肖唐镖.乡村建设：概念分析与新近研究.求实,2004(1)
[128]甄峰,赵勇,郑俊,赵国栋.新农村建设与乡村发展研究.地理科学,2008(4)
[129]许颜杰,马维鸽.民国以来的乡村发展理论综述.安徽农业科学,2008(36)
[130]叶祥松,罗海平.社会主义新农村建设的路径探析——“农联”模式的集体化之路.当代经济研究,2006(2)
[131]周素红.基于金融支持的社会主义新农村建设初探.经济问题,2006(10)
[131]袁国红.金融支持社会主义新农村建设问题探析.海南金融,2008(2)
[132]赵启华,裴志忠.聚焦乡村金融支持难点创新乡村金融服务体系.金融与经济2007(2)
[133]杜晓山.建立可持续性发展的农村普惠性金融体系.金融与经济,2007(2)：33-37
[134]杜晓山.和谐金融与普惠金融体系.中国农村信用合作,2008(1)：19
[135]李旭超.对发展普惠金融若干问题的思考.西部金融2007(12)：73-74
[136]杜晓山.小额信贷的发展与普惠性金融体系框架.中国农村经济,2006(8)：70-78
[137]李旭超.对发展普惠金融若干问题的思考.西部金融,2007(12)
[138]姜风旭.发展普惠金融助力和谐社会建设.华北金融,2007(11)
[139]赵明光.乡村金融供求演变与普惠制金融体系的建立.西南金融,2007(10)
[140]孙少妍.从普惠性金融体系角度探索小额信贷的多元化发展模式.济南金融,2007(8)
[141]杜晓山.以普惠金融体系理念促进乡村金融改革发展——对中西部农村地区金融改革的思考.农业发展与金融2007(1)
[142]郎胜伟,买买提·吐拉甫,夏全新.构建贫困地区农村普惠制金融体系——以新疆阿克苏地区新和县为例.新疆金融,2008(8)
[143]陆游.农村普惠金融体系与商业型小额信贷的发展.管理观察,2008(17)
[144]房引宁.小额信贷发展与普惠制金融体系路径选择.西部金融,2008(9)
[145]陈好孟.从城镇下岗职工小额担保贷款看城市普惠金融体系建设——淄博案例.金融发展研究,2008(8)
[146]黄良谋,黄革,向志容.普惠制金融理论的述评及在我国贫困地区的应用.海南金融,2008(1)
[147]杨长岩,施永,张建明,雷贵优.推广普惠金融服务完善乡村金融体系.福建金融2009(4)
[148]孟飞.普惠金融生态及其优化.上海经济研究,2009(6)
[149]金峰,褚保金.论我国乡村金融发展的困境与改革.宁夏社会科学,2008(6)：36-39
[150]山东省农村信用社联合社课题组.农村信用社支持社会主义新农村建设研究.金融发展研究,2009(6)