摘要
农村信贷市场因贷款风险可控性差且信息不对称性强而面临贷款风险治理的难题.浙江农村金融自治村模式以乡村社会作为贷款风险治理的基础平台,实施了基于规则治理,辅之以社会规范与认同治理及关系治理的多层次治理模式,为农户贷款风险的有效管理提供了很好的实践经验.本文总结了浙江省农村金融自治村运行模式,分析了浙江农户贷款风险多层次治理的社会基础、内在机制、实现条件,为农村金融防范提供有益借鉴.
Rural credit market is facing the problem of loan risk management because of the poor controllability of loan risk and the strong information asymmetry. Zhejiang rural financial autonomous village model takes rural society as the basic platform of loan risk management, implements rule-based governance, supplemented by multi-level governance of social norms and identity governance and relationship governance, which provides a good practical experience for the effective management of farmers’ loan risk. Public order, good customs and their intrinsic nature, the tightness of social relations and the executive power of intermediary organizations will have an impact on the effectiveness of multi-level governance.
出处
《当代农村财经》
2019年第11期55-58,共4页
Contemporary Rural Finance and Economics
基金
浙江省哲学社会科学规划项目“差序信任中的私人银行委托代理关系及治理——以浙江为例”（编号：15NDJC155YB）
浙江省高校人文社科重点研究基地（金融学）项目“要素供给约束下浙江对外直接投资的贸易结构提升效应”（编号：JYTjr201111312）
关键词
农户贷款
风险治理
机制分析
rural financial autonomy
farmers’ loan risk
multi-level governance
