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本文分析了农行西藏分行农牧户贷款证的实施效果及存在的问题 ,指出农牧户贷款证是面向特定信贷市场的一种有效机制设计 ,实质是通过额度管理进行的风险定价 ,同时形成了对借款人的激励。因此 ,贷款证是解决西藏农牧民贷款难、金融机构难贷款的有效途径。
This paper analyzes the implementation effect and existing problems of peasants and herdsmen’s Loan Card in Tibet Branch of ABC and points out that the peasants and herdsmen’s Loan Card is an effective mechanism designed for a specific credit market. The essence is the risk pricing through quota management, Incentives for borrowers. Therefore, the loan certificate is an effective way to solve the difficulty of loans to farmers and herdsmen in Tibet and financial institutions to loan hard.