摘要
政府增信农贷模式是缓解农民和新型农业经营主体贷款担保难的有益探索。论文以第三方担保理论为基础构造了政府增信农贷模式模型,探讨了借款人、银行和政府增信方在贷款决策过程中的行为特征。研究表明在政府增信方担保意愿与借款人盈利能力相匹配时,政府增信将是一种可行的信用增信和风险补偿工具。论文还结合农业银行服务三农工作实践,梳理了政府增信农贷模式主要特点,总结出该模式在实践操作中的核心要点,为各商业银行推广应用提供了借鉴。最后,论文从政策层面给出了推广政府增信农贷模式的具体建议。
The model of government credit loan for farmers is a beneficial exploration to ease the loan guarantee of farmers and new agricultural business entities. Based on the third-party guarantee theory, the paper constructs the model of government credit loan for farmers, and discusses behavior characteristics of borrowers,banks and the government in the process of loan decision-making. The results show that when the willingness of government credit to guarantee matches borrower's profitability, the government credit will be a feasible credit to increase trust and risk compensation tools. In combination of the service of the Agricultural Bank to agriculture, rural areas and farmers, the paper analyzes combing the main characteristics of government credit loan model, sums up core elements of the model in practice, and provides the reference for the popularization in commercial banks. Finally, the paper gives specific suggestions on promoting the model of government credit loan for farmers from the policy level.
出处
《上海金融学院学报》
2015年第5期43-50 76,76,共9页
Journal of Shanhai Finance University
关键词
农户贷款
三农
政府增信
农业银行
farmer loan
three agriculture
government credit
agricultural bank
