基于现金流支持的农户信贷模式研究——以吉林省农户“直补资金担保贷款”为例
发布时间：2018-10-25 06:33
【摘要】：金融抑制是制约我国农村经济发展的关键因素,而农户贷款难又是农村金融抑制最为核心的表现。当前我国农户信贷模式面临的主要困境包括信息不对称、供需结构不合理、风险分担体系不健全、信用体系建设滞后等,这些因素导致了农户信贷供需匹配的低效。以吉林省2010年试点推广的"直补资金担保贷款"模式为例,可以分析基于现金流支持的新型农户信贷模式的基本原理、优势及作用。理论研究和实践调研都表明,该模式能够比较有效地克服传统农户信贷模式的诸多弊端,对缓解农户金融抑制问题具有十分积极的作用。
[Abstract]:Financial repression is the key factor restricting the development of rural economy in China, and the difficulty of farmers' loans is the core of rural financial repression. At present, the main difficulties faced by the peasant household credit model in China include information asymmetry, unreasonable supply and demand structure, imperfect risk sharing system and lagged credit system construction. These factors lead to the low efficiency of the matching between the credit supply and demand of farmers. Taking the "Direct subsidy guarantee loan" model in Jilin Province in 2010 as an example, the basic principle, advantages and functions of a new type of farmer credit model based on cash flow support can be analyzed. The theoretical research and practical investigation show that the model can overcome many disadvantages of the traditional peasant household credit model effectively and has a very positive effect on alleviating the problem of peasant household financial suppression.
【作者单位】： 吉林财经大学金融学院;吉林财经大学吉林农村金融研究中心;
【基金】：国家教育部人文社会科学一般项目(11YJA790085)
【分类号】：F832.43
[Abstract]:Financial repression is the key factor restricting the development of rural economy in China, and the difficulty of farmers' loans is the core of rural financial repression. At present, the main difficulties faced by the peasant household credit model in China include information asymmetry, unreasonable supply and demand structure, imperfect risk sharing system and lagged credit system construction. These factors lead to the low efficiency of the matching between the credit supply and demand of farmers. Taking the "Direct subsidy guarantee loan" model in Jilin Province in 2010 as an example, the basic principle, advantages and functions of a new type of farmer credit model based on cash flow support can be analyzed. The theoretical research and practical investigation show that the model can overcome many disadvantages of the traditional peasant household credit model effectively and has a very positive effect on alleviating the problem of peasant household financial suppression.
【作者单位】： 吉林财经大学金融学院;吉林财经大学吉林农村金融研究中心;
【基金】：国家教育部人文社会科学一般项目(11YJA790085)
【分类号】：F832.43
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