农户信贷保证保险:解决农村信贷担保的新机制  

Guarantee Insruance to Farmer's Credit:A New Measure to Solve the Problom on Guarantee of Rural Credit

作　　者：杨宜[1] 杨泽云[1] 

机构地区：[1]北京联合大学管理学院,北京100101

出　　处：《改革与战略》2009年第9期87-90,共4页Reformation & Strategy

基　　金：中国科学院知识创新工程重要方向项目--农业与农村发展的重大战略研究之农业与农村发展的金融服务保障体系政策研究(编号KSCX2-YW-N-039);北京市教委人才强教项目--农村金融服务保障体系政策研究资助

摘　　要：制约我国农村经济发展的瓶颈之一是我国农村金融供给的不足,而农村金融供给不足的主要原因又在于农户缺乏符合金融机构信贷条件的担保品以及农业所特有的弱质性。文章借鉴房屋贷款抵押保证保险和汽车消费信贷保证保险的发展思路,提出了依托农村合作经济组织构建相互制农户信贷保证保险,以解决农村资金需求者在传统信贷中因缺乏担保品而导致的贷款难的问题,从而缓解农村金融供需不足的难题。Insufficent of the rural finance supply is one of bottlenecks of restricting China＇s rural economic development, and its main cause lies in the deficiency of the rural households＇ collateral security according with financial institutions＇ conditions and the natural defect of agro-economic. By using the thoughts of the guarantee insurance to the housing mortgage loan and the guarantee insurance to personal vehicle-consumption-credit, this paper provides new ways to relieve the problem by constructing the mechanism of the guarantee insurance to farmer＇s credit with the support of rural cooperative economy organization.

关 键 词：农村金融 农户信贷保证保险 相互保险 农村合作经济组织 

分 类 号：F840.66[经济管理—保险]