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Analyzing the Non-Agricultural Use of Rural Bank Loans from the Perspective of Externality Analyzing the Non-Agricultural Use of Rural Bank Loans from the Perspective of Externality LI Guanhua1, MA Linshan2, YANG Hongxuan3 1. School of Economics, Jilin University, Changchun, China, 130012 2. School of Economics, Jilin University, Changchun, China, 130012 3. School of Economics, Jilin.