乡镇企业信贷困境的深层原因--产业组织不合理

乡镇企业信贷困境的深层原因在于产业组织不合理，信贷资金需求方是乡镇企业过度竞争的产业组织，而信贷资金供给方是农村金融机构寡头垄断的产业组织。解决乡镇企业信贷困境的重要途径是构建信贷资金供求双方有效竞争的产业组织。

The Deep Reason of Rural Enterprise Credit Difficulty--The Unreasonableness of the Industry Organization

The deep reasons of rural enterprise credit difficulty lie in the unreasonableness of the industry organization--the extensive competition organization of industry in rural enterprises and oligopoly organization of industry in rural financial enterprises. Setting up effective competition organization of industry including the rural enterprises and financial enterprises is an important way to tackle the problem.