我国农村地区信贷配给问题及对策研究

我国农村金融存在着信贷配给现象,尤其以农户和中小企业贷款难最为突出,资金短缺已成为农村经济发展的"瓶颈"。信贷配给的存在既有农户和农村中小企业自身的原因,也与我国农村金融市场风险补偿机制的缺失有关。通过构建信贷配给模型,分析不完全信息条件下我国农村金融存在信贷配给的主要原因,提出了农村金融组织创新、完善农村金融机构的风险补偿分担机制、完善农村信用环境建设等对策建议。

Study on Credit Rationing in Rural Areas

The phenomenon of credit rationing exists widely in rural areas in China,difficulty in obtaining loans of small and medium-sized and farmers is the most outstanding,shortage of funds has become the "bottleneck"of economic development in rural areas.The reasons of credit rationing not only include farmers and rural small and medium-sized their own reasons,but also include China′s rural financial market risk-related loss of compensatory mechanisms.The paper puts forward countermeasures such as recreating rural financial organizations,perfecting compensation risk-sharing mechanisms of rural financial agencies and perfecting rural credit environment.