[1]陈小蕴.基于连带责任的农村金融自治村贷款风险管理机制解析[J].现代农业研究,2019,(8):10-11.
Chen Xiaoyun.Analysis on loan risk Management Mechanism of Rural Financial
Autonomous Village based on Joint and several liability[J].Modern Agricultural Research,2019,(8):10-11.
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基于连带责任的农村金融自治村贷款风险管理机制解析
《现代农业研究》[ISSN:1006-6977/CN:61-1281/TN]
- 卷:
-
- 期数:
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2019年8期
- 页码:
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10-11
- 栏目:
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农业经济
- 出版日期:
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2019-07-05
文章信息/Info
- Title:
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Analysis on loan risk Management Mechanism of Rural Financial
Autonomous Village based on Joint and several liability
- 作者:
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陈小蕴
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浙江工商大学杭州商学院310018
- Author(s):
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Chen Xiaoyun
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Hangzhou Business School of Zhejiang Industrial and Commercial University 310018
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- 关键词:
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农村金融自治; 农户贷款风险; 连带责任制
- Keywords:
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rural financial autonomy; farmer's loan risk; joint and several liability system
- 摘要:
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2013 年以来在浙江推广的农村金融自治模式，将乡村传统文化与连带责任相连结，有
效化解农户贷款难问题。本文基于平湖市和温州市两个村的调查，从信息优势、行为监督和成
本权衡三方面解析农村金融自治中的连带责任有效风控机理，并提出这一机制可能存在“信息
依赖”等隐患，提示城镇化对乡村居住模式的影响可能改变这一模式实施的社会文化基础。
- Abstract:
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Since 2013, the rural financial autonomy model has been promoted in Zhejiang Province. It
effectively solve the problem of farmers' loans. Based on the investigation of Pinghu and Wenzhou, this
paper analyses the effective risk management mechanism of joint and several liability in rural financial
autonomy from three aspects: information superiority, behavior supervision and cost balance, and indi?
cates the problems such as "information dependence" . The impact of urbanization on rural residential
pattern may change the social and cultural basis for the implementation of this pattern.
参考文献/References:
[1] 张维迎.产权、政府与信誉[D].北京：三联书店出版社，2001.
[2] 张维迎.信息、信任与法律[D].北京：三联书店出版社，2003.
[3] 李秀茹. 功能视角下我国农村金融产品与服务创新探究
[J].延边大学农学学报，2013，35（04）：343-347.
备注/Memo
- 备注/Memo:
-
* 基金项目：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）。
作者简介：陈小蕴（1970.5-）女，汉族，江苏东台人，博士，副教授，研究方向：农村金融、国际金融。
更新日期/Last Update:
2019-07-05