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能否建立起金融服务覆盖率广泛的小微金融发展体系,是目前国内地方金融发展突破口。著名经济学家易宪容认为在当前中国,金融服务的可获得性还处于一个较低的水平,特别是农村更是如此。而这种情况的出现,不仅在于国内金融市场的不发达,也在于金融市场存在严重的缺陷,如信息不对称、合约履行制度不完全、监管层对市场管制和参与过多等。这不仅使金融资源不能有效配置,
Whether we can establish a small and micro financial development system with a wide coverage of financial services is a breakthrough in the development of local financial services in China. Yi Xianrong, a famous economist, thinks that the availability of financial services in China is still at a low level, especially in rural areas. The emergence of such a situation is not only due to the underdevelopment of domestic financial markets, but also the serious flaws in financial markets such as asymmetric information, imperfect system of contract fulfillment, regulators’ excessive market regulation and participation, and so on. This not only makes the financial resources can not be effectively configured,