摘要
广饶县杨庙村实行的大联保体贷款模式有效解决了农户贷款难问题,其实质是依托蔬菜专业合作社和基于地缘、血缘关系的熟人社会,解决了农村金融中的信息不对称难题,提高了监督效率。利用了政府信用介入,扩大了信用担保边界,决定了大联保体贷款模式的有效运行;进一步来讲,政府信用介入下的大联保体应借此尽早走向企业化、市场化。
The large-scale joint credit secured loan model solves the loan problems effectively for the farmers in Yangmiao Village,Guangrao County.It actually takes the advantage of the Professional Vegetable Cooperatives,the social relations,which solves the problems of information asymmetry in rural finance and supervises effectively.The intervention of government credit expands the boundary of secured credit and determines the operation of large-scale joint credit secured loan to be successful,and with the help of government intervention,large-scale joint credit secured loan should be commercial run as soon as possible.
出处
《金融发展研究》
2010年第7期48-51,共4页
Journal Of Financial Development Research
关键词
农民互助联保
大联保体
动态均衡
farmers joint credit secured loan
large-scale joint credit secured loan
dynamic equilibrium
