我国农村地区信贷配给问题及对策研究

Study on Credit Rationing in Rural Areas

我国农村金融存在着信贷配给现象,尤其以农户和中小企业贷款难最为突出,资金短缺已成为农村经济发展的"瓶颈"。信贷配给的存在既有农户和农村中小企业自身的原因,也与我国农村金融市场风险补偿机制的缺失有关。通过构建信贷配给模型,分析不完全信息条件下我国农村金融存在信贷配给的主要原因,提出了农村金融组织创新、完善农村金融机构的风险补偿分担机制、完善农村信用环境建设等对策建议。

The phenomenon of credit rationing exists widely in rural areas in China, difficulty in obtaining loans of small and medium - sized and farmers is the most outstanding , shortage of funds has become the ＂bottleneck＂ of economic development in rural areas. The reasons of credit rationing not only include farmers and rural small and medium - sized their own reasons, but also include China＇s rural financial market risk - related loss of compensatory mechanisms. The paper puts forward countermeasures such as recreating rural financial organizations, perfecting compensation risk - sharing mechanisms of rural financial agencies and perfecting rural credit environment.