村级发展互助资金的目标瞄准、还款机制及供给成本——以四川省小金县四个样本村为例

发布时间：2018-04-23 13:11

本文选题：村级发展互助资金 + 目标瞄准　；参考：《农业经济问题》2012年08期

【摘要】：本文以四川省小金县四个样本村为案例,从目标瞄准、还款机制及供给成本三个方面考察村级发展互助资金的实施情况。研究发现,四个村级发展互助资金未能瞄准当地贫困群体,其原因是贫困群体缺乏生产性贷款需求;通过将联保机制与贷款用途、贷款限额、未来贷款机会及国家其他补助"捆绑"起来,村级发展互助资金建立起了有效的还款机制,并采用"轮"的办法保证了信贷资金分配的公平;从利率与管理支出来看村级发展互助资金是一种成本较低的农村金融供给模式。
[Abstract]:Taking four sample villages in Xiaojin County, Sichuan Province as an example, this paper investigates the implementation of mutual fund development at village level from three aspects: target, repayment mechanism and supply cost. The study found that four village-level development mutual funds were not targeted at the local poor, owing to the lack of productive loan needs among the poor; and through the use of UNPROFOR and loans, the loan limit, Future loan opportunities and other state subsidies "bundled", village level development mutual funds set up an effective repayment mechanism, and the "round" method to ensure the fair distribution of credit funds; From the perspective of interest rate and management expenditure, village level development mutual fund is a low-cost rural financial supply mode.
【作者单位】：浙江理工大学经济管理学院;
【分类号】：F832.35

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