摘要
阐述了农户小额信贷"正规化"趋势的渊源以及实现这一转变的基本方法。从小额联保和动态激励两个方面对正规农户小额信贷技术进行了分析,在此基础上通过对"北大花旗"数据库中1 581户样本农民的借贷行为进行分析后发现,抵押品、贷款证、非农收入、农业保险等因素不同程度上影响着我国正规农户小额信贷的业务发展,各级政府应完善农村地区经济模式、产业模式以及征信体系等方面的机制,发挥正规农户小额信贷的联接作用,破解农村金融难题。
Through author＇s description about initiation and understanding of normalization trend of farmers microcredit loan, this paper proposes a basic method for achieving this trend. The paper summarizes the influencing elements that have an impact on the development of domestic farmers microcredit based on micro guaranteed and dynamic incentives. Analysis is conducted on 1 581 peasantg debit behavior samples of Peking University - Citibank Database, finding that collateral, loan note, non - rural incoming and rural insurance affect the development of regularrural microcredit on various degrees. Based on the research, the paper suggest the government should perfect and improve the rural economic pattern, industry model and the mechanism of credit system to make the regular rural microcredit to play a role of connection.
出处
《湘潭大学学报（哲学社会科学版）》
CSSCI
北大核心
2015年第5期59-65,共7页
Journal of Xiangtan University:Philosophy And Social Sciences
基金
国家自然科学基金面上项目"金融排斥背景下信用环境与中国农村商业银行可持续发展研究--基于湖南省的实地调研数据"(项目编号:71273220)
教育部人文社会科学一般项目"政府行为
信用环境与银行绩效--基于浏阳农村商业银行农户信用放款的实证研究"(项目编号:12YJA790121)
湖南省高校创新平台开放基金项目"农村信用环境创造研究--基于浏阳2000农户信用行为的实证分析"(项目编号:11K064)
关键词
农村金融
农户小额
信贷影响因素
rural finance
rural microcredit
influencing element
