论文部分内容阅读
农村大额消费刚性强,额度大,单靠农民自身积累很难实现,农村大额消费信贷业务的开展不仅能把农村潜在的大额消费需求转化为现实,刺激农村消费,而且为农村信用社巨大的存储差挖掘新的利润增长点。但由于严重的信息不对称,农信社拥有大量闲置资金却很难开展该项业务,而民间金融依托信息优势和乡土文化因素开办该项业务却很成功。农村信用社和乡村中介的金融联结(转贷、雇用、合作、担保四种联结模式)可以实现两者的优势合作,从而化解农村大额消费信贷难题。
Rural large-scale consumption is rigid, with a large quota, and it is very difficult for farmers to rely on their own accumulation. The implementation of large-sum consumer credit in rural areas can not only translate potential large-sum consumer demand in rural areas into reality and stimulate rural consumption, but also provide services to rural credit cooperatives Huge storage poor mining new profit growth point. However, due to the serious information asymmetry, it is very difficult for rural credit cooperatives to carry out this business because they have a large amount of idle funds. However, it is very successful for private finance to start the business based on information superiority and local culture. Rural credit cooperatives and rural intermediary financial connection (lending, hiring, cooperation, guarantee four kinds of connection mode) can achieve the superiority of the cooperation between the two, so as to resolve the problem of large-scale consumer credit in rural areas.