信贷担保视野的农户与中小企业农村融资绩效

发布时间：2018-03-11 02:34

本文选题：信贷担保　切入点：农户　出处：《改革》2010年10期 　论文类型：期刊论文

【摘要】：农村资金大量外流、农村贷款难已经成为共识。产生这一难题的原因是多方面的,解决这一难题也需要从多个方面着手。近年来,我国在解决这一问题方面已经取得明显进展,其中,发展农村信贷担保是关键举措之一。基于1962份农户问卷和208份农村中小企业问卷,对信贷担保与农户和中小企业贷款的可获得性和贷款数量之间的关系的实证分析表明,信贷担保对解决农村贷款难问题具有显著正效应。农村资金大量外流、农村贷款难已经成为共识。产生这一难题的原因是多方面的,解决这一难题也需要从多个方面着手。近年来,我国在解决这一问题方面已经取得明显进展,其中,发展农村信贷担保是关键举措之一。基于1962份农户问卷和208份农村中小企业问卷,对信贷担保与农户和中小企业贷款的可获得性和贷款数量之间的关系的实证分析表明,信贷担保对解决农村贷款难问题具有显著正效应。
[Abstract]:There is a large outflow of rural funds, and the difficulty of rural loans has become a common understanding. The reasons for this difficult problem are various, and the solution to this problem also needs to be started from many aspects. In recent years, China has made remarkable progress in solving this problem. The development of rural credit guarantee is one of the key measures. Based on 1962 peasant household questionnaire and 208 rural small and medium-sized enterprises questionnaire, the empirical analysis of the relationship between credit guarantee and the availability and amount of loans of farmers and SMEs shows that, Credit guarantee has a significant positive effect on solving the problem of rural loan difficulties. A large number of rural capital outflow, rural loan difficulties have become a consensus. There are many reasons for this problem. In recent years, China has made remarkable progress in solving this problem, among which, The development of rural credit guarantee is one of the key measures. Based on 1962 peasant household questionnaire and 208 rural SMEs questionnaire, the empirical analysis of the relationship between credit guarantee and the availability and amount of loans of farmers and SMEs shows that, Credit guarantee has significant positive effect on solving the problem of rural loan.
【作者单位】：对外经济贸易大学金融学院;北京农村商业银行;
【基金】：农业部2008年软科学课题“农村金融信贷担保机制研究”(批准号:200827)
【分类号】：F832.4

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