张家港“农保转城保”担保贷款的风险及对策研究

Risk of the Guaranteed Loan of "Change Rural Insurance to Urban Insurance" in Zhangjiagang and Its Countermeasures Research

农村信贷主要分两种方式:信用贷款与担保贷款。前者一般基于各地信用环境的差异与信贷双方信息不对称的风险,近两年来比较少使用和办理,或者仍在办理但投放和审查十分谨慎;而第二种贷款类型则能较好的规避金融风险,因而成为近几年来农村金融机构的主要信贷模式。如今随着农村经济的发展,担保贷款开展受到了多种限制,在全国范围内看,传统的担保贷款在2006年以后出现了下降趋势,而现在经济的不断发展,大众需求也越来越广泛,仅仅是依靠传统的信用与担保贷款方式,难以满足农村地区的有效金融需求。本文将讨论的张家港"农保转城保"担保贷款,在苏州市张家港地区实行,现已经是实行的第四个年头,具有较大的参考和借鉴意义,同时对于贫困地区也有较大的启发作用。

Rural credit mainly includes two patterns： credit loan and guaranteed loan. Because of the differences of local credit environment and the risk of asymmetric information between the both sides of the credit, credit loan is rarely used and handled in recent years, or it is in the handle but the delivery and review are very careful. Guaranteed loan can better avoid the financial risk, so it becomes the main credit of rural financial institutions in recent years. Nowadays with the development of rural economy, guaranteed loan is limited by a variety of conditions. After 2006, the traditional guaranteed loan appeared a nationwide downward trend. With the continuous development of economy, the public demand is becoming more and more widely, the traditional credit and loan guarantees is difficult to meet the effective financial demand in rural areas. This paper discusses the guaranteed loan of ＂change rural insurance to urban insurance＂, which has been implemented in Zhangjiagang Region of Suzhou for four years, so it has great reference significance. At the same time it has larger evocation for poor areas.