供需因何错配——农村消费信贷制度供给侧改革的法经济学分析

发布时间：2018-05-03 23:09

本文选题：农村消费信贷 + 供需错配　；参考：《湖湘论坛》2017年01期

【摘要】：农村消费结构升级转型,迫切需要消费信贷的金融支持。但目前农村消费信贷却增长缓慢,信贷供给与信贷需求存在结构性失衡。基于"经济人"理性选择和高昂的交易费用,供需错配致使农村信贷机构"惜贷"和"惧贷",农户则出现"不贷"和"难贷"。农村消费信贷的供给侧改革重在制度改革,制度变迁的内生性要求应当以推动和促进农村消费的持久提升为制度设计目的。完善农村社会保障体系、农业生产保险制度和农业林权、土地承包经营权的流转制度,降低信贷风险,提高农户边际消费倾向,增强农户消费意愿。同时,简化信贷手续,规范信贷流程,建立信贷机构的支农业绩考核和问责机制,降低农村信贷交易成本,提振农村消费信贷。
[Abstract]:The rural consumption structure is upgrading and transforming, and the financial support of consumer credit is urgently needed. However, the rural consumer credit is growing slowly, and there is a structural imbalance between the credit supply and the credit demand. Based on the rational choice of "economic man" and the high transaction cost, the mismatch between supply and demand causes the rural credit and loan agencies to "be reluctant to lend" and "fear the loans", and the peasant households are "not lending" and "not lending". The reform of the supply side of rural consumer credit emphasizes the system reform, the endogenous demands of the institutional change should be designed to promote and promote the sustainable promotion of rural consumption as the purpose of the system design. The marginal consumption tendency of high farmers will enhance the willingness of farmers to consume. At the same time, the credit procedures should be simplified, the credit process is standardized, the performance assessment and accountability mechanism of the credit organizations are established, the cost of rural credit transaction is reduced and the rural consumer credit is boosted.

【作者单位】：西南政法大学;
【基金】：国家社科基金“农村消费信贷促进法律机制研究”(项目编号:12CFX071)
【分类号】：F832.43

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