中国传统型农户信贷需求与供给分析——基于传统型农户特殊性的视角
发布时间：2018-08-06 09:28
【摘要】：与成熟的城市金融体系相比,中国传统型农户遵循生存经济逻辑和圈层差序社会交往格局,这也就决定了传统型农户具有以下六个方面的信贷需求特征:严重的信息不对称;缺乏可抵押物;特殊性成本与风险;以非生产性信贷为主;以无息的熟人友情借贷为主;单笔贷款数额小,要求信贷手续灵活、简便、及时。要解决传统型农户的融资困境,关键在于建立符合传统型农户信贷需求特征的信贷供给安排,主要包括以下三个渠道:熟人亲友无息借贷;民间非正式互助合作金融;官方或公益扶助性质的政策性金融。
[Abstract]:Compared with the mature urban financial system, the traditional peasant households in China follow the economic logic of survival and the pattern of social communication in different order, which determines that the traditional farmers have the following six characteristics of credit demand: serious information asymmetry; Lack of collateral; particularity cost and risk; unproductive credit mainly; non-interest-free acquaintance friendship loan; single loan is small and requires flexible, simple and timely credit procedures. To solve the financing dilemma of traditional farmers, the key lies in the establishment of credit supply arrangements that meet the characteristics of traditional farmers' credit demand, including the following three channels: acquaintances, relatives and friends, non-interest loans, informal mutual and cooperative finance; Policy finance of an official or commonweal nature.
【作者单位】： 西北大学经济管理学院;
【基金】：国家哲学社会科学重大招标项目“西部地区形成城乡经济社会一体化新格局的战略研究”(批准号:08&ZD027) 西北大学2010年研究生自主创新项目“传统农业区形成城乡经济社会一体化新格局的路径研究——以陕西关中为例”(批准号:10YZZ20)
【分类号】：F832.43
[Abstract]:Compared with the mature urban financial system, the traditional peasant households in China follow the economic logic of survival and the pattern of social communication in different order, which determines that the traditional farmers have the following six characteristics of credit demand: serious information asymmetry; Lack of collateral; particularity cost and risk; unproductive credit mainly; non-interest-free acquaintance friendship loan; single loan is small and requires flexible, simple and timely credit procedures. To solve the financing dilemma of traditional farmers, the key lies in the establishment of credit supply arrangements that meet the characteristics of traditional farmers' credit demand, including the following three channels: acquaintances, relatives and friends, non-interest loans, informal mutual and cooperative finance; Policy finance of an official or commonweal nature.
【作者单位】： 西北大学经济管理学院;
【基金】：国家哲学社会科学重大招标项目“西部地区形成城乡经济社会一体化新格局的战略研究”(批准号:08&ZD027) 西北大学2010年研究生自主创新项目“传统农业区形成城乡经济社会一体化新格局的路径研究——以陕西关中为例”(批准号:10YZZ20)
【分类号】：F832.43
【参考文献】
相关期刊论文 前5条
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2 史清华,万广华,黄s，
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