农业信贷限制与发展模式初探

现在的农业信贷市场上存在着诸多问题,本文重点分析了贷款利率的上浮限制对农业贷款量的影响,指出在一定程度上影响了农业贷款的增长。并进一步从农户角度探讨了降低农业贷款风险的模式——农村合作经济组织,创新性地提出了农业贷款市场中存在的Backward bending,最后给出了相应的对策与建议。

Agriculture loaning limitation and development mode probing

This paper focuses on the limits on rural credit market, points out that the limits on the loan rates have a negative effect on the quantity of loan in rural area. Then, it gives the method to low the credit risk, that is, through the Rural Cooperation Organization, the credit market can come to a Backward bending point, which leads to both higher quantity loans and lower loan rates.