摘要
本文从可持续发展及农户融资体验分析了新型农村金融机构的运行效率。通过与传统农村金融机构的比较发现:村镇银行的运行效率没有实质性改进;小额贷款公司运行效率优势明显,农户通过承担较高的贷款利率,获得了高效率的服务及期限灵活的贷款资金;农村资金互助社运行效率低下,可持续发展能力受到质疑。后续的改革政策应避免村镇银行演变成商业银行铺设网点的工具并密切关注小额贷款公司的长期经营风险。
This paper analyses the operating efficiency of new rural financial institutions based on sustainable development and rural financing .Compared with the traditional rural financial institutions ,the following review can be got:rural banks have no progress in operating efficiency;microcredit companies ’ operating efficiency is obvious , farmers could obtain high efficient service and flexible loan funds at the expense of higher loan rate;rural mutual cooperatives is difficult to develop for poorest operating efficiency .The subsequent reform policy should prevent commercial banks laying networks by means of rural banks and pay attention to the long-running risk of microcredit companies .
出处
《齐鲁工业大学学报》
CAS
2013年第4期75-79,共5页
Journal of Qilu University of Technology
基金
农业部软科学研究项目(201212)
关键词
新型农村金融机构
运行效率
可持续发展
农户融资
new rural financial institutions
operating efficiency
sustainable development
rural financing