互助联保的内生逻辑:荣成案例  

Assistance and Joint Guarantee: Rongcheng Case

作　　者：曲吉光[1] 邵明志[1] 陈明仿[1] 

机构地区：[1]中国人民银行威海市中心支行,山东威海264200

出　　处：《金融发展研究》2010年第5期30-33,共4页Journal Of Financial Development Research

摘　　要：目前,联合担保贷款已经成为解决农村融资难问题的途径之一。本文通过对荣成市三户企业在寻求加入互助联保体过程中三次失败经历的叙述,剖析互助联保体的内生机理,指出在自由选择情况下,一个稳定大联保体的形成是以风险收益均衡和信息对称两条主线进行逐步选择、淘汰、优化的结果,并由此导出稳定联保体的内生逻辑:产品设计诱导——区域选择——行业选择——规模对称——大联保体形成。At present, the joint secured loan has become one way of solve the problem of countryside financing. in this paper, describes one story that the three companies of Rongcheng City will try to join Guarantee Association but three failed. analysis of In the case of free choice, A stable United Surety Association is based on Risk return balance and Information symmetry.

关 键 词：金融创新 互助联保 内生 逻辑 

分 类 号：F830[经济管理—金融学]