农村友情借贷的供给约束与金融支持研究

Countryside friendship borrowing's supply control and financial support research

本文对友情借贷发展的特点进行了总结概括,并从关系网络、自身经济状况、数量规模约束和稳定性等方面分析了友情借贷供给的制约因素。在此基础上,探讨了对友情借贷隐性征信及信用保障的借鉴。最后,就新型金融机构对农户的金融支持方面提出了探索农村土地承包经营权和宅基地使用权抵押贷款、养老保险证质押贷款、农户特殊消费贷款、完善抵押担保的替代技术等创新业务。

This paper gives a summory and outline of the development characteristics of friendship-oriented loan,provides an analysis of the restrictive factors of friendship-oriented loan supply from the following aspects of relationship network,their economic situation,quantity scale restriction and stability,and on this basis explores the guarantee reference to friendship-oriented loan credit.In the end,this paper puts forword to some innovative businesses such as mortgage loan based on the rural land contracting and managing right and residence land utilizing right,mortgage loan on life insurance certificate,villagers＇ special consumption loan,and substitute technique of mortgage guarantee as far as the new financial agencies＇ financial support to the villagers is concerned.