摘要
关系型借贷有助于解决抵押品不足、"硬信息"缺乏等问题,从而有效缓解融资困境,成为正规金融机构支持"三农"的主选技术。目前,福建"三农"的信贷缺口较大,如果能从融资技术的角度出发,改善贷款的可得性,则对探索正规金融机构发展关系型借贷支持"三农"、积极投身海西新农村建设颇具积极意义。
Relationship lending promotes to solve the problem of insufficient collateral and lack of ＂hard information＂, and effectively alleviates the financing dilemma and becomes the formal financial institutions＇ primary selection of technology while they financial support for ＂ Agriculture, Countryside and Famers＂. At present, the credit gap of Fujian ＂Agriculture, Countryside and Famers＂ is great. From the perspective of financing techniques, we will improve the loan accessibility, so it will has positive significance in the development of the formal financial support for agriculture.
出处
《闽江学院学报》
2011年第4期71-75,共5页
Journal of Minjiang University
关键词
关系型借贷
信息不对称
“三农”
relationship lending
information asymmetry
＂Agriculture, Countryside and Famers＂
