摘要
通过建立博弈模型,对农村信用社和贷款农户交易行为的博弈分析,发现贷款额度、违约成本、贷款追讨成功率、正常履约收益是影响违约行为的主要因素。为防范信用风险,农村信用社必须转变经营理念,改革管理体制,建立一个长期的切实可行的农户信用评级制度,提高风险管理能力和水平。同时,需要中央政府和地方政府增加对农业、农村、农民的扶持,优化农村金融环境,给农村信用社的经营提供有力支持,促进其长期稳健发展。
Through building a game model,a Game analysis is carried out on the transaction behavior between rural credit cooperatives and the farmers asking for a loan.It is found that four main factors affecting defaults on loan contracts: the loan amount,default cost,successful return rate,and the normal implementation profit.To prevent credit risks,rural credit cooperatives must transform the business philosophy,reform the management system,and build a long-term,feasible credit assessment system for rural households to raise their risk management capability.In addition,governments at all levels need to enhance aid to agriculture,rural areas and rural residents;make better rural finance environment;and offer powerful support to rural credit cooperatives to facilitate their steady development in the long run.
出处
《商业经济》
2013年第4期104-106,共3页
Business & Economy
基金
黑龙江省自然科学基金项目(G201002)
关键词
农村信用社
小额贷款
信用风险管理
博弈分析
rural credit cooperatives,micro credit,credit risk management,game analysis
