摘要
本文分析了农行西藏分行农牧户贷款证的实施效果及存在的问题 ,指出农牧户贷款证是面向特定信贷市场的一种有效机制设计 ,实质是通过额度管理进行的风险定价 ,同时形成了对借款人的激励。因此 ,贷款证是解决西藏农牧民贷款难、金融机构难贷款的有效途径。
This paper discusses some issues concerning credit certificate issuance to rural households by Tibet Branch of the Agricultural Bank of China. The conclusion is that credit certificate and unsecured micro-loans are two mechanism designs for specific market to improve local economic development.
出处
《金融研究》
CSSCI
北大核心
2002年第8期126-129,共4页
Journal of Financial Research
