关键词: 农村金融市场失灵 , 供给不足 , 金融排斥 , 治理

Abstract: Based on the findings of the 1 938 households samples survey in geographical area covered by 26 agencies in 5 provinces, this study proved that the current rural financial market failure was not due to the ‘supply shortage’The rational rejection behaviors of rural financial institutions led some farmers and smallmicro enterprises could not get credit services, based on the Pearson correlation analysis of farmer credit obstacles and the regression analysis of the identification degree of farmers to loan channel as nominal variablesThe solution key of the failure governance was not to increase the financial supply simply, but to screen, estimate and control those improper exclusion behaviors implemented by rural financial institutions

Key words: rural financial market failure , supply shortage , financial exclusion , governance