| 农户联保贷款的制度优势与缺陷探析 |
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| 引用本文： | 唐红娟.农户联保贷款的制度优势与缺陷探析[J].特区经济,2008,235(8):78-79. |
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| 作者姓名： | 唐红娟 |
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| 作者单位： | 中华女子学院,经济管理系,北京,100101 |
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| 摘 要： | 农户联保贷款具有自动瞄准、互相监督、还款共生和培训互助等独特的制度优势。但是,农户联保贷款在我国还存在着排除最贫困农户、小组组建困难、道德风险大和贷款过程繁杂等缺陷。我国应在贷款对象、信用环境、联保小组数量等方面加以完善与改进。
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| 关 键 词： | 农村金融 农户联保贷款 制度创新 |
Probing into farmer united insurance loaning's system advantage and shortcom-ing |
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| Tang Hong Juan.Probing into farmer united insurance loaning''s system advantage and shortcom-ing[J].Special Zone Economy,2008,235(8):78-79. |
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| Authors: | Tang Hong Juan |
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| Institution: | Tang Hong Juan |
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| Abstract: | The rural household＇s co-guarantee loan has unique institutional superiorities. However, in China, there are some defects. Some suggestions are given to improve and perfect the rural household＇s microfinance co-guarantee institution in China. |
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| Keywords: | rural finance rural household＇s co-guarantee credit Institution innovation |
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