摘要
本文通过对黑龙江省牡丹江市的农村信用社推广农户小额信用贷款的实证研究 ,认为小额信用贷款作为一种金融产品创新 ,在满足农户信贷需求、调整农村地区信贷市场结构、产业结构以及提高农户信用水平等方面起到了积极作用。但是 ,由于小额信贷属于新推广的金融服务 ,在实际操作上还存在一些问题 ,主要体现在供求矛盾依然突出、业务风险缺乏有效规避手段等。就此 ,文章认为应该从信用评定、贷后管理和审慎推进三方面加强管理 ,以实现小额信贷业务风险的最小化。
This paper studies the case of unsecured micro credit implementation in Mudanjiang City, Heilongjiang Province. On one hand, this financial innovation improves the market structure and industrial structure in rural areas and farmers' creditworthiness. However, the excess demand and the lack of sufficient risk management lead to some operational problems. Suggestions of credit evaluation, loan management and a suitable speed of implementation are put forward to minimize the risks.
出处
《金融研究》
CSSCI
北大核心
2002年第9期118-123,共6页
Journal of Financial Research
关键词
实证研究
农村信用社
农户小额信用贷款
信贷市场
rural credit cooperatives, unsecured micro credit to rural households, rural credit market
