由信用创评到信贷交易———潍坊农信社信用创评路径与效应分析  

From Credit Creation and Evaluation to Credit Transaction:Analysis on Credit Creation and Evaluation Mechanism in Weifang Rural Credit Cooperative

作　　者：杨金柱[1] 张洁[1] 

机构地区：[1]中国人民银行潍坊市中心支行,山东潍坊261041

出　　处：《金融发展研究》2010年第6期35-37,共3页Journal Of Financial Development Research

摘　　要：当前以农村信用社为主体对农村信用资源开展的信用创评活动,可以有效降低信用交易主体的信息不对称状况,以标准化的信用信息记录和非正式约束机制实现对担保机构的替代,促进了农村信贷交易效率。The credit creation and evaluation against the rural credit resources which are being carried out by the rural credit cooperative, can reduice the information asymmetry between transaction subjects effectively. The standardized records of credit information and the Informal constraint mechanism, as the substitute for the credit guarantee institutions, can promote the efficiency of rural credit transactions.

关 键 词：信用评定 信用授信 金融产品创新 

分 类 号：F832.43[经济管理—金融学]