摘要
农民专业合作社风险主要类型依次为市场风险、自然风险、管理运营风险、道德风险、技术风险等五种风险类型,风险类型占比的高低与贷款可得性成反比。由于资产专用性风险,广西农村金融机构一般更乐于给那些大型硬件设施和基础设施比较完备的合作社放贷,以保证合作社将信贷资金用于专用性较弱的流通领域。由于普遍存在较高的风险,广西各地农村信用社等农村金融机构在给农民专业合作社贷款时,一般采用抵押贷款模式。应从强化贷款投资项目风险评估、发展农业订单、提升农业风险集散能力、强化外部审计构建滇桂黔石漠化片区农民专业合作社信贷融资风险防控机制。
The major risks of farmers＇ professional co-operatives in Guangxi include market risk,natural risk, management operation risk,moral risk and technology risk. The degree of risk is inversely proportional to the loan availability. Because of the risk of asset specificity,Guangxi rural financial institutions are generally more willing to grant loan to the cooperatives with large hardware facilities and adequate infrastructure to ensure that the cooperatives apply more credit funds for weaker specificity currencies. Due to widespread high risk,Guangxi financial institutions like local rural credit cooperatives,when lending loans to farmers＇ professional co-operatives,generally apply the model of mortgage. The paper suggests to build up a risk prevention and control mechanism for farmers＇ professional cooperatives credit financing in the rocky desertification area of Yunnan, Guangxi and Guizhou by strengthening the loan risk assessment of investment projects,developing agricultural orders,promoting agricultural risk distribution ability and strengthening the external audit.
出处
《广西财经学院学报》
2016年第4期79-89,共11页
Journal of Guangxi University of Finance and Economics
基金
国家社科基金一般项目"滇桂黔石漠化片区农村新型合作组织多元扶贫效应实证及对策研究"(16BGL202)
广西哲学社会科学规划课题"广西农民专业合作社融资平台构建研究"(13BJY006)
广西高校党的十八届三中全会精神研究课题"广西新型农业经营主体信贷融资风险防控机制及政策研究"(DSBD14YB16)
广西财经学院经济与贸易学院学科建设项目"广西新型农业经营主体发展研究"(2016)
关键词
信贷风险
农民专业合作社
滇桂黔石漠化片区
广西
credit risk
farmer specialized cooperatives
Yunnan Guangxi Guizhou rocky desertification area
Guangxi
