基于农村信用体系建设的信用制度激励与约束机制——长岛农村信用社优化金融生态环境与化解不良贷款案例

On Credit System Incentives and Binding Mechanism Based on Rural Credit System Construction——A Case of Changdao Rural Credit Cooperatives Optimizing Financial Ecologic Environment and Resolving Non-performing Loans

从制度经济学的角度,以长岛农村信用社优化金融生态环境与化解不良贷款为案例,分析农村信用体系建设在银行与农户、农村中小企业建立信用关系过程中所发挥的激励和约束作用。基于农村信用体系建设的信用制度安排,在一定程度上弥补了农村金融市场普遍存在银行与农户、中小企业信息不对称问题,不仅有效缓解了农民"贷款难"的问题,而且促进了农信社不良贷款的化解,成功走出了一条"农社"双赢之路。

From the perspective of institutional economics,to Long Island,rural credit cooperatives to optimize the financial environment and to resolve non-performing loans as a case,the analysis of rural credit system in the banking and farmers,rural SMEs to establish a credit relationship in the process of incentives and constraints play role.Rural credit system based on credit system arrangements,to a certain extent,compensate for the prevalence of rural financial markets,banks and farmers,SMEs,information asymmetry,not only relieve the farmers ＇loans＇ problems,and promote rural credit cooperatives to resolve non-performing loans,successfully opened a ＂agricultural society＂ win-win way.