农村信贷的思考——联保贷款的缺陷与创新

Thinking of the Rural Credit:United and Protected Defect and Its Innovation

农户联保贷款是近年来农村信用社摸索并正大力支持的一种新型的支农贷款方式。它的推行在一定程度上缓解了农民贷款难的问题,对农村经济结构的战略调整和经济金融的发展发挥了积极的作用。但在具体的实践过程中,其“实施难”的问题日益显现,其自身存在的缺陷也不断显露。为此,本文分析了制约农户联保贷款实施的因素以外,从农户、信用社自身等角度提出了对策建议,并提出了交叉联保的创新机制;同时,对新机制实施的必要性、可行性和实施过程中应注意的问题作了进一步研究。

Peasant household antithetical couplet protect loan rural credit office is it come out and support one supporting agriculture the borrower new-type in a more cost-effective manner to try to find out in recent years. Difficult problem that its implementation has alleviated peasants and granted the loan to a certain extent, have played a positive role to structure strategical readjustment and economy and finance development of rural economy. But in the course of concrete practice, the question that its ＂ it is difficult to implement ＂ appears day by day, its defect existing oneself is appearing constantly too. Is it restrain peasant household antithetical couplet from assurance factor that the loan is implemented to analyze for this text this, have propose the countermeasure and suggestion in terms of peasant households, credit office oneself, etc., has put forward and united the innovative mechanism protected alternately, implement to new necessity , feasibility that mechanism implement course problem that should notice make and study further.