论文部分内容阅读
农户融资难题是农村金融体系面临的核心问题。基于连带责任、信息对称和相互监督为设计基础的农户联保贷款是当前农户融资的主要途径。但由于实际担保能力缺失、违约的羊群效应和违约成本低等因素的影响,造成了当前农户联保贷款规模下降、风险上升。本文通过logistic模型的农户联保贷款还款率影响因素分析得出,联保小组的信息传导效果、地区信用状况等是影响联保贷款不良率的显著因素,并以此提出有效提高联保贷款信贷质量、优化联保贷款模式的政策建议。
The problem of financing for rural households is the core issue facing the rural financial system. Based on the joint responsibility, information symmetry and mutual supervision as the basis for the design of peasant household loan is the main way of financing for farmers. However, due to the lack of actual guarantee capability, the herding effect of default and the low default cost, the current scale of joint guarantee loans of farmers has been reduced and the risk has risen. In this paper, logistic model analysis of the factors affecting the repayment rate of loans to peasant households shows that the effectiveness of information transmission and the credit status of the group are the significant factors that affect the loan-to-loan ratio of unsecured loans. Based on this, Credit Quality, Policy Suggestions for Optimizing Linked Loans.