摘要
农户联保贷款具有自动瞄准、互相监督、还款共生和培训互助等独特的制度优势。但是,农户联保贷款在我国还存在着排除最贫困农户、小组组建困难、道德风险大和贷款过程繁杂等缺陷。我国应在贷款对象、信用环境、联保小组数量等方面加以完善与改进。
The rural household＇s co-guarantee loan has unique institutional superiorities. However, in China, there are some defects. Some suggestions are given to improve and perfect the rural household＇s microfinance co-guarantee institution in China.
出处
《特区经济》
北大核心
2008年第8期78-79,共2页
Special Zone Economy
关键词
农村金融
农户联保贷款
制度创新
rural finance
rural household＇s co-guarantee credit
Institution innovation
