财产制度制约县域金融的实证研究

An Empirical Study on County's Property System and Credit

中国县域经济的发展正面临严重的信贷制约,文章从制约县域金融发展的抵押因素出发,运用借贷双方对于抵押品不同评价可能导致不同信贷交易的理论模型,试图从县域的财产性质及其法律、法规属性出发,分析县域金融市场不存在符合双方意愿借贷合约的症结。同时,运用广东县域经济的统计数据,实证检验金融机构在县域发放贷款的条件和信贷合约特征,分析县域信贷交易难以实现的真正原因。

China county area is facing the problem of shortage of capital,and mortagage is considered the restraining factor.Based on the theoretical model,there is no contracts exists between borrower and lender if they have different valuation on the mortgage.Data collected from some counties in guangdong has been used to make the empirical study on the features and conditions of county bank loans.The results show that there are predicaments in county＇s credit transaction,i.e.commercial bank loan and borrowers don＇t have the same valutaion on the mortgage land.