期刊论文

中文

西部论坛

1674-8131

2018

28

6

42-49

10.3969/j.issn.1674-8131.2018.06.006

湖南省教育厅项目（16C0793）； 湖南省哲学社会科学成果评审委员会立项项目（XSP17YBZC090）； 湖南省自然科学基金项目（2018JJ3245）；

本校为第一机构

贫困农户因缺乏可用于抵押担保的物权而难以进入金融市场,金融扶贫需要通过增信机制解决信贷配给问题。实践中的农户增信主要有两条路径:一是基于农村外部正式制度的增信,如农业保证保险贷款;二是基于农村内部非正式制度的增信,如农户联保贷款。农业保证保险贷款制度以“保险合同”为增信标识,是一种建立在法律合约基础上的经济性制度安排,其制度缺陷容易导致合作博弈低效和需求刺激不足;农户联保贷款以“共同还款责任”为担保约束,是一种以社会资本内生激励机制为核心的非经济制度安排,既有信用发现和监督惩罚的优势,又存在农户还款集体违约的风险。在精准扶贫目标下,湖南“瞄准”扶贫项目的农...

The poor households are difficult to enter into financial market because of their absence of real right for mortgage credit,and financial poverty alleviation needs to solve credit allocation problem through credit enhancement mechanism.The farmers’credit enhancement in practice mainly has two paths such as the credit enhancement based on rural external formal institution such as agricultural guaranteed insurance loan,and the credit enhancement based on rural inner informal institution such as farmers’joint insurance loan.Agricultural guarante...