基于集体违约风险的农户联保抵押贷款模式研究

发布时间：2018-03-21 09:43

本文选题：村镇银行　切入点：联保贷款　出处：《华中农业大学学报(社会科学版)》2014年04期 　论文类型：期刊论文

【摘要】：集体违约风险是导致农户联保贷款失败的一个重要原因,它主要由组员合谋与经营环境恶化两种情形引起。为有效防控联保小组集体违约风险,试图引入抵押品形成农户联保抵押贷款创新模式,并借助相关数据和博弈工具分析了其运行机制,结果显示:近年来我国农户抵押担保能力不断提高,使得该创新贷款模式具有一定的现实可行性;联保小组合谋时的投资项目平均成功概率与其抵押品变现价值正相关,即抵押品除了可以作为银行贷款损失的重要补偿手段外,还可在一定程度上抑制联保小组合谋进行高风险投资。据此,基于联保小组集体违约风险的防控思想,建议村镇银行试行农户联保抵押贷款模式,同时也提出如建立风险分担机制、推行交叉联保等其他可操作性建议。
[Abstract]:The collective default risk is an important reason for the failure of the farmers' UNPROFOR loan. It is mainly caused by the collusion of the group members and the deterioration of the operating environment, so as to effectively prevent and control the collective default risk of the protection group. This paper attempts to introduce the innovative model of mortgage forming farmers' UNPROFOR mortgage, and analyzes its operating mechanism with the help of relevant data and game tools. The results show that in recent years, the ability of rural household mortgage guarantee in our country has been continuously improved. This makes the innovative loan model feasible, and the average success probability of the investment project in the collusion of the UNPROFOR team is positively related to the value of the collateral realized, that is, the collateral can be used as an important compensation method for the bank loan losses. On the basis of the thought of prevention and control of the collective default risk of the group, it is suggested that the village and town banks should try out the model of peasant household's UNPROFOR mortgage loan. At the same time, other operable suggestions such as establishing risk sharing mechanism and carrying out cross-protection are also put forward.
【作者单位】：武汉理工大学经济学院;武汉理工大学管理学院;
【基金】：国家社会科学基金项目“产业集群协同创新过程中的风险传导研究”(13BGL011)
【分类号】：F832.43

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