【摘要】：金融抑制是制約我國農(nóng)村經(jīng)濟(jì)發(fā)展的關(guān)鍵因素,而農(nóng)戶貸款難又是農(nóng)村金融抑制最為核心的表現(xiàn)。當(dāng)前我國農(nóng)戶信貸模式面臨的主要困境包括信息不對(duì)稱、供需結(jié)構(gòu)不合理、風(fēng)險(xiǎn)分擔(dān)體系不健全、信用體系建設(shè)滯后等,這些因素導(dǎo)致了農(nóng)戶信貸供需匹配的低效。以吉林省2010年試點(diǎn)推廣的"直補(bǔ)資金擔(dān)保貸款"模式為例,可以分析基于現(xiàn)金流支持的新型農(nóng)戶信貸模式的基本原理、優(yōu)勢(shì)及作用。理論研究和實(shí)踐調(diào)研都表明,該模式能夠比較有效地克服傳統(tǒng)農(nóng)戶信貸模式的諸多弊端,對(duì)緩解農(nóng)戶金融抑制問題具有十分積極的作用。
[Abstract]:Financial repression is the key factor restricting the development of rural economy in China, and the difficulty of farmers' loans is the core of rural financial repression. At present, the main difficulties faced by the peasant household credit model in China include information asymmetry, unreasonable supply and demand structure, imperfect risk sharing system and lagged credit system construction. These factors lead to the low efficiency of the matching between the credit supply and demand of farmers. Taking the "Direct subsidy guarantee loan" model in Jilin Province in 2010 as an example, the basic principle, advantages and functions of a new type of farmer credit model based on cash flow support can be analyzed. The theoretical research and practical investigation show that the model can overcome many disadvantages of the traditional peasant household credit model effectively and has a very positive effect on alleviating the problem of peasant household financial suppression.
【作者單位】： 吉林財(cái)經(jīng)大學(xué)金融學(xué)院;吉林財(cái)經(jīng)大學(xué)吉林農(nóng)村金融研究中心;
【基金】：國家教育部人文社會(huì)科學(xué)一般項(xiàng)目(11YJA790085)
【分類號(hào)】：F832.43

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本文編號(hào)：2292912