摘要
青年创业项目的弱质性、高风险以及有效抵押担保的缺失造成了其融资难题。山东省枣庄市形成的政府主导、团委和人民银行推动、涉农金融机构参与的贷款模式,通过信用评价、信用档案建立等公共金融服务的提供,降低了青年创业贷款的信息不对称和交易成本;多层次的金融创新产品有利于其贷款风险的有效防控和声誉机制的形成。
The difficulty to obtain loans is an important restriction to rural youth entrepreneurship.Zaozhuang takes full advantage of public financial service and reputation mechanism through evaluation of rural credit user and collection of credit record and other measurements.Zaozhuang breaks the financial bottleneck by launching ＂Zaozhuang Mode＂ of rural youth entrepreneurship loan.
出处
《金融发展研究》
2012年第4期30-33,共4页
Journal Of Financial Development Research
关键词
青年创业贷款
公共金融服务
声誉机制
rural youth entrepreneurship
public financial services
reputation mechanism
