摘要
对广东241户农户借贷调查发现,多数农户从无借贷经历、贷款金额较小且多用于生活用途、借贷对象以农信社为主、信贷信息不对称影响农户申请贷款、申贷环节影响农户贷款决策,表现出农村金融供求不均衡特征。运用风险报酬模型,模拟农村金属市场供求发展路径,发现满足农户融资需求的金融创新是农村金融供求均衡的必然逻辑。
Based on the survey data of 241 households in Guangdong province, we find that a great portion of farmers didn＇t have experience of lending and rural finance has the characteristic of supply-demand imbalance.The loans which they apply for are mainly from RCCs, for the purpose of living with a small amount. Asymmetry of information influences their application for loans Besides, giving process of RCCs＇ loans is another factor to decide wether famers will ask for loans nor not. Risk-Premium model was used to analyze the equilibrium of supply-demand in rural financial market,and it is found that financial innovation based on farmers＇ finance demand is the essential way to realize supply-demand balance. Besides, some suggestions are put forward,for example, in the perspective of supply,we should implement the operating mechanism of rural financial organizations; in the perspective of meeting famers＇ demands, we should innovate financial derivatives which could expand the scale of famers＇ mortagage.
出处
《改革》
CSSCI
北大核心
2009年第3期103-107,共5页
Reform
基金
广东省科技计划项目"广东农业科技投入绩效与财政金融创新机制研究"(批准号:2008658)
