1.政府在农村金融发展中的行为边界。农户获得持续有效的金融服务,对农村经济社会的长期发展具有正的外部性,而农户不同层次的金融需求要依赖于不同的金融制度安排来完成。我国农村经济整体上落后,农户收入偏低,大量农户没有能力获得商业金融服务,根据公共经济学理论,政府必须 1. Government’s Behavioral Boundaries in Rural Financial Development. Farmers’ access to sustained and effective financial services has positive externality for the long-term development of rural economy and society, and different levels of financial needs of farmers depend on different financial system arrangements. As a whole, the rural economy in China lags behind with low incomes of farmers and a large number of farmers unable to obtain commercial financial services. According to the theory of public economics, the government must