社会资本与我国农村信贷风险控制

发布时间：2018-01-15 17:04

本文关键词：社会资本与我国农村信贷风险控制　出处：《浙江大学学报(人文社会科学版)》2011年02期 　论文类型：期刊论文

【摘要】：受"三农"特点及农村现行基本经济制度的影响,我国农村信贷面临更大的风险。更为严峻的问题是,我国农村缺乏合规的抵押物,因而,在城市信贷体系中,常规的、有效的信贷风险控制手段并不完全适合农村信贷。但是,农村社会资本同样具有经济价值,完全可以参与农村信贷风险控制,尤其是充当抵押物。这种设想已在国内外得到了广泛运用,尤以小额信贷模式最为成功。我国农村具有丰富的社会资本和无穷的开发潜力。因此,我国应以新农村建设为契机,重塑农村道德和信任网络,建立农村征信体系,完善农民信用记录;改善农村基础设施条件和服务网络,增强农村居民的交流能力;支持和规范农村合作组织及农村民间金融的发展;鼓励和支持农村金融机构积极参与农村新型社会资本的建构。
[Abstract]:Affected by the characteristics of "agriculture, countryside and farmers" and the current basic economic system in rural areas, the rural credit in our country is facing greater risks. The more serious problem is that the rural areas in our country lack of compliant collateral, therefore, it is in the urban credit system. Conventional, effective means of credit risk control is not entirely suitable for rural credit. However, rural social capital also has economic value, and can participate in rural credit risk control. Especially as collateral. This idea has been widely used at home and abroad, especially the microcredit model is the most successful. China's rural areas have rich social capital and infinite development potential. China should take the new rural construction as an opportunity to reshape the rural morality and trust network, establish the rural credit system, and perfect the farmers' credit record. Improving rural infrastructure conditions and service networks and enhancing the communication capacity of rural residents; Supporting and standardizing the development of rural cooperative organizations and rural folk finance; Encourage and support rural financial institutions to actively participate in the construction of new social capital in rural areas.
【作者单位】：西南财经大学中国西部经济研究中心;成都农商银行龙泉驿西河支行;
【基金】：国家社会科学基金资助项目(09CJY062)
【分类号】：F832.43
【正文快照】： 一、研究背景农业和农村经济的发展离不开金融支持,但现实的农村金融系统却是体系残缺、功能弱化、信贷配给严重。农村金融的这种困境与农村信贷的高风险有直接联系。为了降低风险,减少损失,金融机构一般采用抵押担保、提高利率、设置贷款条件、降低额度等手段。但由于农业、

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