西部农村金融服务缺失的生成机理研究——以重庆市为例

Study on the Generation Mechanism of Financial Service Lack in Western Rural——A Case Study of Chongqing City

以重庆市为例,对西部农村金融服务缺失的现象进行了考察,构建了一个信贷交易合约模型来分析西部农村金融服务缺失的生成机理,发现模型中贷款利率管制、农村项目成功概率低、担保抵押难、政府财政支农资金的低效利用等因素导致信贷交易合约无法完成,从而出现农村金融服务缺失。并针对这些问题,提出改变信贷合约中贷款利率、农村项目成功概率、担保抵押、政府财政支农资金等变量来强化农村金融服务的对策思路。

This paper investigated financial service lack in Chongqing,designing rural credit contract mechanism to study on the generation mechanism of financial service lack in western rural. It founded that the locking loan interest rate,project in rural was poor possibility for success,the fewer assets for mortgage and difficulty in mortgage,inefficient utilization of financial fund for agriculture are the reason for financial service lack. Finally,the corresponding measures and suggestions were proposed in view of the existing problems.