基于信用共同体的担保贷款风险保障机制创新研究——以福建沙县养猪协会担保贷款为例

Innovation in the Security Mechanism of Guaranteed Loan Risk Based on Credit Community:A Case Study of the Pig Association's Guaranteed Loan in Shaxian County of Fujian

在我国农村金融发展中,农户贷款难问题依然严峻,最大瓶颈在于其缺乏一般金融机构认可和接受的抵押物或担保物,解决农户贷款难题是农村金融工作的重点。基于信用共同体的协会担保贷款模式,作为一种融资创新,有效解决了单个农户的高风险特性与商业银行低风险偏好之间的矛盾。本文以福建沙县养猪协会为案例进行研究,提出协会担保贷款通过横向监督机制、抵押资产处置机制、贷款损失补偿机制、熟人社会机制等,在为农户提供担保物的同时又降低了银行的贷款风险。

In the development of our country＇s rural finance, it is still severe that farmers to get loans. Lacking collateral or guarantee which financial institutions generally recognized and accepted is the biggest problem. So solving the farmers loans problem is the focus of the rural financial work. Based on credit community, the association guarantee loan pattern, as a kind of finance innovation, solved contradiction between the high risk of the individual farmer and commercial bank＇s risk preference. The authors attempt to investigate the performance of the Pig Association＇s Guarantee Loan in ShaXian County of Fujian Province.This article suggests association guaranteed loans have four aspects advantage as follows ： member’s peer monitoring and constraint, mortgage asset handle, Loan loss compensation mechanism, and face-to-face society. So it can provide farmers with collateral meanwhile reduce the loan risk of the bank.